No-fee, high yield ADPFCU Savings solutions can help you reach your short and long term goals. You get convenient account access with free Home Banking and with our Direct Connect Audio Response Telephone Service. Equally important: your savings are secure with insurance up to $250,000 provided by the National Credit Union Association (NCUA), an agency of the Federal government.

• Primary Share Savings
  
• Holiday Club Account
  
• Vacation Club Account
• Money Market Accounts
• Term Share Certificates*
• Individual Retirement Accounts (IRAs), and Education Savings Account (ESA)

Primary Share Savings
ADPFCU lifetime membership begins when you establish this basic account with your one-time $50 minimum membership balance.

• Earn quarterly dividends on minimum balances of $100
  

  Money Management Tips

• Build your savings with easy, automatic Payroll Deductions
  
• Direct Deposit of your pay into your account makes your money available immediately
  
• Get convenient account access at ATMs, with Home Banking, and Direct Connect Audio Response Telephone Service
  

Rates | Savings Calculator | Nationwide ATMs/Service Centers | Fees | Disclosures | Apply Here

Holiday Club Account
Don't stress over the holidays! Separate your savings for holiday shopping and expenses.

• Earn quarterly dividends on minimum balances of $100
  
• Use convenient Payroll Deductions or automatic transfers through Home Banking
  
• Set the amount you wish to save
  
• Club savings automatically transfer to your Primary Share Savings Account at maturity on October 1st for immediate access
  
• Club savings renewal is automatic
  

Rates | Savings Calculator | Fees | Disclosures

• Earn quarterly dividends on minimum balances of $100
  
• Use convenient Payroll Deductions or automatic transfers through Home Banking
  
• Make two allowable withdrawals each calendar year - you set the dates
  

Rates | Savings Calculator | Fees | Disclosures

Money Market Accounts
Our no-fee, tiered Money Market options give you choices -- and the right balance of high yield and liquidity.

• Minimum opening balance: $2,000
  
• Dividends are compounded and credited monthly, based on average daily balance method
  
• The rate is indexed to the Merrill Lynch Ready Asset Fund
  
• Access your account with Home Banking and Direct Connect Audio Response Service
  

Rates | Savings Calculator | Fees | Disclosures

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Term Share Certificates*
If you need high yield investment without risk, look into an interest bearing "time deposit" Term Share Certificates with your choice of short-to-long term maturity, low minimum deposit, and jumbo account options.

• Minimum deposit: $500 regular or $25,000 for jumbo accounts
  
• Various terms: between 6-60 months for regular or 12-60 months for jumbo accounts
  
• Dividends compound and are credited monthly, based on average daily balance method
  
• Automatic renewal
  

*Penalties apply for early withdrawal.

Rates/Terms | Savings Calculator | Fees | Disclosures

Individual Retirement Accounts (IRAs), and Education Savings Account (ESA)

Need to save for retirement or education expenses? Consider an IRA or ESA for your longer-term investment.

• Contributions may be tax deductible and will grow tax-deferred or tax free, depending on the option you choose (see below)
  
• Check with your tax advisor to find the best IRA for your needs
  

  Traditional IRA: A traditional IRA is an individual retirement plan which offers tax-deferred earnings and the possibility for tax-deductible contributions.
  
  These tax advantages make the traditional IRA a powerful tool in creating a balanced, long-term savings plan.
  
  Roth IRA: Roth IRA's offer unique and exciting savings opportunities, and they've gotten better over the years.
  
  Unlike traditional IRA's, contributions are never tax-deductible. However, the money in your Roth IRA, including earnings can be withdrawn tax-free if account is open for five years and withdrawn for qualified reasons.
  
  Education ESA: The interest-bearing Coverdell Education Savings Account (ESA-formerly Education IRA) for your children and grandchildren helps you meet rising education costs. Pay qualified expenses for college and trade schools, public or private elementary and high schools.

Rates/Terms | Savings Calculator | Fees | Disclosures | IRAs Comparison | Financial Planning

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