Checking & Saving


Checking Accounts


Another happy customer!

• Free starter checks
• Checks offered at a reasonable price
• Unlimited check writing; no per check fee
• Free Visa check card
• Optional Overdraft Protection to cover potential overdrafts ($3.00 Fee)
• No monthly minimum balance
• Monthly statement to document account activity (includes all other accounts)
• E-Statements


Check Reordering


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Share Savings & Deposits

Share Savings:

  • In credit union language, this is your savings account.
  • The credit union requires a $5.00 deposit to your primary savings account, which remains on deposit to insure your membership privileges.
  • 
Dividends are compounded daily and paid monthly.

Share Certificates – $1,000 minimum deposit:

  • Dividends are compounded daily and paid monthly.
  • Choose to have dividends posted to your savings account, an interest check mailed to you monthly, or re-invest dividends in your certificate.
  • Member may invest in a 6 month, 1 year, 18 month, 2 years or 3 years in a savings certificate.
  • To view rates yielded for each term, please see our rates.
  • Penalty for early withdrawals.
  • After certificate is opened, the dividend rate is fixed for the term.

Money Club Accounts:

  • Tiered dividend accounts, paying higher rates the more you have in it.
  • Minimum opening balance is $5,000.
  • Dividend is paid on average daily balance paid monthly.

Christmas & Vacation Club Accounts:

We offer both Christmas and Vacation Clubs.
Christmas Club pays out the second Tuesday of October.
Vacation Club pays out the second Tuesday of June.
No withdrawals allowed.

Youth Accounts:

  • Little Peoples savings accounts are available for any child, age newborn to 17 years of age with benefits including:
    • Free gift for signing up
    • Membership card with name and identification number on it
    • Prizes per specified balance* of savings account
    • Earn higher dividends than a regular share savings account
    • Shares certificate** with $250 minimum
    • Good grades recognition program with gift
    • Beginning at 5 years, birthday card with gift
    • First time loan for 16-17 y/o, with one qualified co-signer

The biggest benefit of a Little Peoples account is teaching our youth to learn how to save money and appreciate it!
*Little Peoples member will receive a prize when they reach $25, $50, $100, $175, $300, $500, and $1000.
**Penalty for early withdrawal; see current rate sheet for certificate rates

A man counting coin change

IRAS

IRA Savings – We offer Traditional, Roth and Coverdell Educational:

  • Dividends are compounded daily and posted monthly.

IRA Certificates –We offer 1-, 2-, and 3-year Traditional & Roth IRA Certificates:

  • $1000 minimum deposit.
  • Dividends are compounded daily and posted monthly.
  • Penalty for early withdrawals.
  • After the certificate is opened, the dividend rate is fixed for the term.

Business Accounts


Business Share Draft/Checking Account:

Required documents to open a business account:

Company EIN (Employment ID Number) or TIN (Tax ID Number)
Company Resolution of Authority (we have blank forms if needed)
Valid WV business license
For Partnership: Partnership Agreement
For Corporation: Articles of Incorporation
Must show proper documentation such as a business license or operating permit linking member with the business name to authorize a DBA (doing business as) checking account

Benefits:

Non-interest bearing
No monthly minimum balance
Unlimited check writing; no per check fee
No monthly service charge
Free Visa check card
Optional overdraft protection to cover potential overdrafts ($3.00 Fee)
Monthly statement to document account activity (includes all other accounts)
All parties must sign account card and account authorization card. If cards are taken out of Peoples FCU for signatures, a notary must witness.