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Savings Programs

Saving at S.W.G. FCU is a good idea--Credit unions are built on the philosophy of "people helping people."

You help most through increased savings because the money you and other members save provides funds for loans to all members. Also, your savings deposits continue to build in your account for times of need such as vacations, school tuition, holidays, or personal emergencies, etc.

 

Share (Savings) Accounts Rates


By opening a Share Savings Account, you become a part owner of your credit union. By depositing $50, you own a share of S.W.G. FCU; a minimum balance of $100 earns quarterly dividends, which are declared and paid quarterly. Members receive quarterly statements which reflect all transactions on their accounts.


 

Share Draft (Checking) Accounts Rates

You will find that our Share Draft (Checking) Accounts are worth switching to and here is why:

  • No minimum balance required. No monthly service fees. No per check charges.
  • Earn dividends.
  • Duplicate copies for easy recordkeeping.
  • Overdraft protection available.
  • Direct deposit of net paycheck available.

Reorder Checks Online! Re-order your share draft checks by using the new ONLINE re-order system. It's quick, secure, and available anytime. Click here to re-order today.


 

Certificates of Deposit (CDs) Rates

S.W.G. FCU offers a range of savings certificates with competitive interest rates. Common terms available include 6-, 12- and 24-month CDs. Rates change monthly; however, your rate is locked in at the time of deposit. Dividends are paid quarterly and deposited to your share (savings) account for easy access or are compounded on the CD balance.


 

Individual Retirement Accounts (IRAs) Rates


S.W.G. FCU offers a wide variety of IRAs. Save for tomorrow's retirement with easy payroll deductions. Call us for details and current rates. Ask your tax advisor which IRA is right for you. Dividends are paid quarterly.


 

Vacation Accounts Rates

Save for your dream vacation or just a weekend getaway. Vacation accounts can be opened with a minimum deposit of $5 and funds can be deposited through payroll deduction. Your savings will be available when you need them for that special trip. Dividends are paid quarterly.


 

Holiday Club Accounts Rates


Make your holiday season a happy one by opening a holiday club account. A minimum deposit of $5 is required. Funds can be deposited through payroll deduction. Funds are transfered  the first week of November each year  to member's regular savings account and dividends are paid quarterly. Call for details.