You can open a Share Savings Account with a minimum deposit of only $5. This is referred to as your Membership Account. You’ll remain a member as long as you maintain an active Share Savings Account … even if you leave your place of employment or move from the area

Captain Cash Club
For children up to age 12. Benefits include a savings startup gift bag, a prize with each deposit and birthday card with a present from the Captain Cash treasure chest. A Youth Add-On Share Certificate is available for Captain Cash Club members. (See Youth Add-On Share Certificate,)

Make Money Matter (M3)
For members ages 13-17. With M3, teens have the opportunity to earn rewards for saving money and signing up for products and services. M3 products/services available to members ages 13-17: Money Market Investment Account, Share Draft (Checking) Account, ATM Card or Visa Debit Card, Visa Credit Card and Loan.

Click on the button below to learn more about Make Money Matter.

Young Adult
For members ages 18-25. Once you open a Young Adult account, you are eligible for a Young Adult Checking Account. (See Young Adult Checking Account.)

Prime Advantage Club
For members age 55 and older. Prime Advantage Club members are eligible for benefits, such as ¼% higher dividend rate on Share Certificates and a free Checking Account. (See Prime Advantage Checking Account.)

Money Market Investment Account (MMIA)
A MMIA is a variable-rate Share Savings Account that pays higher dividends than a regular Share Savings Account. You can make deposits, withdrawals or even close the account at any time with NO PENALTY.

Open your MMIA with a minimum deposit of $2,500 and maintain that balance for the current MMIA rate. We offer tiered dividend rates, so the more you save, the more you earn. If your balance falls below $2,500 don’t worry – you’ll earn the regular Share Savings dividend rate.

(M3 Money Market Investment Account available to members ages 13-17.)

Christmas Club
Take the stress out of holiday shopping by saving all year. Make an automatic deposit each payday or contribute whenever you wish. The first of October, the funds in your Christmas Club will be transferred to your Share Savings, Share Draft (Checking) or MMIA.

Vacation Club
Make your dream vacation a reality by saving money all year. Or use the account for any other special purpose. Make automatic deposits each payday or whenever you choose. You can make withdrawals at any time without penalty.

Escrow Account
A convenient way to set aside money for your property taxes and insurance premium.

Share Certificates
A Share Certificate is a Share Savings Account with fixed rates and set maturity dates. You can open one with a minimum deposit of $500 for a term of six, 12, 18, 24 or 30 months. Balances more than $25,000 earn higher dividend rates.

Prime Advantage Club members (age 55+) earn a ¼% higher dividend rate on certificates with terms of one year or more. Click on the button below to apply online.

Youth Add-On Share Certificate
For members up to and including age 17. The Youth Certificate may be opened with a minimum deposit of $250. We offer a fixed rate with a term of 24 months. Deposits may be made any time in person, by mail or through Direct Deposit or Payroll Deduction.

You may apply online by clicking on the button below.

Individual Retirement Account (IRA)
You have several options to save for retirement and/or education expenses: Traditional IRAs, Roth IRAs and Coverdell Education Savings Account (ESA). Deposits to your IRA or ESA may be made by Payroll Deduction or in person.*

* Government regulations require that Payroll Deductions into an IRA or ESA be calculated in the year received.

Traditional or Roth IRA – Money Market Variable Rate
This variable rate IRA has no set maturity date and may be opened with a minimum deposit of $5.

Traditional or Roth IRA – 18-Month Variable Rate
This variable rate IRA has a set maturity date and may be opened with a minimum deposit of $5.

Traditional or Roth IRA – 12-Month Fixed Rate
This IRA option offers a fixed rate and set maturity date. You may open it with a minimum deposit of $500.

Coverdell Education Savings Account (ESA) – 18-Month Variable Rate
A Coverdell ESA is an account to help parents and students save for education expenses. The ESA has a variable rate and set maturity date. Open with a minimum deposit of $5 and make contributions for children up to age 18.

View our IRA comparison chart, click on the button below.

Deposit Insurance
The National Credit Union Administration (NCUA) is the federal agency that insures savings at most credit unions across the country. Just as banks are insured through the Federal Deposit Insurance Corporation (FDIC), credit unions are insured through the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the United States government.

Passage of the Emergency Economic Stabilization Act of 2008 increased NCUA coverage from $100,000 to $250,000. The increase is in effect until December 31, 2013. Funds may be insured for even more than $250,000, depending on how you establish your accounts.

At SELCCU, we go one step further in protecting your hard-earned dollars. We provide up to an additional $250,000 of savings protection to each qualified account through Excess Share Insurance (ESI), a subsidiary of American Share Insurance (ASI), the nation's largest private deposit insurer of credit unions. You’ve worked hard to save money. You can count on SELCCU to take good care of it.