Share Accounts

Whatever you’re saving for, Members Choice makes it simple with accounts that are easy to manage, convenient to use and safe. Deposits are insured up to $250,000 by the NCUA, an agency of the federal government.

Regular Share Account

Your Regular Share Account makes you a member-owner of the credit union and gives you access to all our products and services.

  • Required to be a member
  • Open with a $5 deposit
  • Monthly dividends on qualifying accounts
  • Free Online Banking, Remote Deposit, eAlerts, eStatements, and more
  • Convenient access at ATMs worldwide

Current rates

Priority Plus Share Account

If you meet the qualifications for the Priority Plus Share Account, it will serve as your Regular Share Account, making you a member-owner of the credit union and giving you access to all our products and services.

  • Open with a minimum $5 deposit (aggregate Share balance must be $10,000 or more)
  • Monthly dividends on qualifying accounts
  • Free Online Banking, Remote Deposit, eAlerts, eStatements, and more
  • Free 3″ x 5″ safe deposit box1
  • Free credit union checks, cashier checks, and money orders
  • Free notary service, copy service, and fax service
  • Free coin counting
  • Convenient access at ATMs worldwide
  • No transfer fees or excessive withdrawal fees

Current rates

SCRATCH Club Share Account

♦  SMART  ♦  CONFIDENT  ♦  READY  ♦  AND  ♦  TRAINED  ♦  CASH  ♦  HOUND  ♦

Those 12 years of age and younger can be member-owners too by opening a Scratch Club Account!

  • Open with a $5 deposit
  • Monthly dividends on qualifying accounts
  • Earn SCRATCH Bucks for deposits of $5 or more
  • Use SCRATCH Bucks for tail-wagging prizes
  • Receive a SCRATCH Club account card
  • Requires parent/grandparent/guardian as a joint owner

Current rates

SCRATCH Club

JAMMS Share Account

♦  JUNIOR  ♦  MONEY  ♦  MANAGEMENT  ♦  SOCIETY  ♦

Are you 13 to 17 years of age?  You can be a member-owner by opening a JAMMS Share Account!

  • Open with a $5 deposit
  • Monthly dividends on qualifying accounts
  • ATM Card
  • Free Online Banking, Remote Deposit, eAlerts, eStatements, and more

Current rates

Special Share Account

Do you need more than one savings account?  Open a Special Share Account today!

  • Open with a $5 deposit
  • Monthly dividends on qualifying accounts
  • Free Online Banking, Remote Deposit, eAlerts, eStatements, and more
  • Convenient access at ATMs worldwide

Current rates

IRA Share Account

We offer three different options for your Individual Retirement Accounts (IRAs): traditional, Roth, and Coverdell Educational IRAs. IRAs are an ideal way to save for retirement or to pay for a higher education and get tax advantages. Consult your tax advisor for tax deductibility.

  • Open with a $5 deposit
  • Monthly dividends on qualifying accounts
  • Free Online Banking, eAlerts, eStatements, and more

Current rates

Term Share Certificate

Term Share Certificates are a great way to lock in a high return while you save for the future.

  • Available in terms from 6 months to 4 years
  • Fixed rates throughout the term
  • Regular, Priority Plus2 and IRA term share certificates are available

Current rates

1 – Rental price of the 3″ x 5″ safe deposit box may be applied to a larger safe deposit box.

2 – Priority Plus Share Account is required.

 

Funds Availability Policy

Fair Credit Billing Act & Account Reconciliation Sheet