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Savings Accounts

ADPFCU savings solutions can help you reach your short and long term goals. Your savings are secure with insurance up to $250,000 provided by the National Credit Union Association (NCUA), an agency of the Federal government.

Membership Share Savings Account

Our required Membership Savings Account qualifies you to take advantage of all other products and services.
Features & Benefits
  • Pays competitive dividends ($100 Min. Balance Required)
  • Easy access online, by ATM or at any branch
  • $5 Minimum deposit to open/maintain account

Club Accounts

Savings accounts designed for specific savings goals such as saving for a vacation or the holidays.

Holiday Club Account

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

Vacation Club Account

Plan for your well-deserved vacation with savings in an interest bearing Club account.
  • 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

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
  • Access your account with Home Banking and Direct Connect Audio Response Service
  • Two Tiers with Tier 2 earning a higher interest rate
      • Tier 1 = $2,000 - $49,999                                             
      • Tier 2 = $50,000 and up

Certificates of Deposit

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.

Term Share Certificates*

  • Minimum deposit: $500 regular or $25,000 for jumbo accounts
  • Various terms: between 6-60 months for regular or 24-60 months for jumbo accounts
  • Dividends compound and are credited monthly, based on average daily balance method
  • Automatic renewal

*Penalties apply for early withdrawal.

Individual Retirement Accounts

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.

Note:  These accounts utilize Share Term Certificates of Deposit.

Open an account today!

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NCUA Insured

Your savings federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

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