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Savings & CDs

Make your hard-earned money work for you.

Build your savings quickly and securely with options like a high-yield money market account, or a low-risk CD with some of the highest rates in the nation.

Savings

Basic Savings

0.15%
APY

Earn interest on balances of $50 or more. Dividends calculated using the average daily balance and paid quarterly.

Open Account

Home Savings

Home Savings Account

0.15%
APY

An easy way to save for taxes and insurance; withdraw at any time. Dividends calculated using the daily balance & paid quarterly.

Open Account

Certificate of Deposit

Certificate of Deposit

1.10%
APY/3-YR*

*Rates vary depending on length of term.

Low-risk and short-term, a CD is a safe way to invest your money, paying you dividends with some of the highest rates in the nation. With as little as $1,000, you can invest in a CD for 3 to 36 months.

See Rates

Money Market

Money Market

0.50%
APY

Earns more interest than Basic Savings and your money remains liquid. Dividends calculated using the daily balance and paid monthly.

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See All Rates Savings Calculators

Frequently Asked Questions:

Savings

We do not offer ATM cards; however, we can open a Checking account with a debit card providing ATM access to both Savings and Checking accounts.

Yes. These payments (which you might know as “ACH” or “EFT” transactions) follow Regulation D limitations. Any withdrawals attempted beyond your monthly limit will not be honored, and you will receive a notice by mail and incur a nonsufficient funds charge. To avoid this situation, make automatic payments using a checking account. Contact the merchant to arrange this change and be aware that your request could take more than a month to go into effect. Alternatively, consider using Bill Payment in Online Banking to automatically send payments to the merchant, rather than authorizing the merchant to automatically withdraw payments.

No. There Is no fee to join!

Deposits sent to your account using your routing and account number normally take up to 2 business days to post on your account. We advise you reach out to the sender to verify the account information the funds were sent to and when it was sent. You may contact us at 361-986-4500 or 1-800-622-3631 Monday-Friday 8:00 a.m.-5:00 p.m. or Saturday 9:00 a.m.-1:00 p.m. for further assistance with your request.

This may be due to Regulations D. Reg D means no more than six (6) transfer or withdrawals per calendar month to another account of the member's by means of preauthorized or automatic transfer or telephonic agreement or to a third party.

Transactions that count as one of the six:

  1. Account to account transfers by telephone (whether by calling the Credit Union or using our audio response system)
  2. Overdraft protection
  3. Checks to third parties
  4. ACH Debits
  5. Automatic sweep (auto transfer from account to account on any designated day)
  6. Transfers to third party accounts

You will be able to transfer out of your savings account electronically on the 1st of the following month.  You may still conduct transactions in person at an ATM or any branch out of your savings account.

Still have questions? Visit our Help Center.

*APY = Annual Percentage Yield. Certain conditions may apply. Rates are subject to change. Early withdrawal penalties apply if principal is withdrawn before the account expires. CD accounts will automatically renew for one year at the then one-year rate.