Take a Risk at Work…NOT AT YOUR CREDIT UNION. With your $5 minimum deposit to a Basic Savings Account, you become a member-owner of Ironworkers USA Credit Union. Maintaining a balance in your Basic Savings Account represents your piece of the credit union. Saving money is easy. Choose from any of the accounts below and start saving.
This account is your membership account at the Credit Union. With your minimum balance of $5, this account allows you access to all Credit Union services. Maintain a minimum $100 balance and you’ll earn quarterly dividends.
Use this savings account to save for specific purposes: vacations, upcoming wedding, property taxes, etc. Payroll deduction is a convenient way to build your account balance and you’ll earn dividends on your account when you maintain a minimum $100 balance.
With a $100 minimum balance, you’ll earn a competitive rate on your account and have the option of choosing a Traditional, Roth, or Education IRA. IRAs are insured separately, up to $250,000 per member.
Bypass those post holiday bills by saving ahead. All savings and earnings deposited to your account prior to October 31st will be mailed to you in the first week of November each year. It’s a great way to pre- pare for your holiday spending.
With a minimum deposit of $5, children under age 18 earn quarterly dividends and learn about the benefits of compounding dividends. It’s a great way to teach your children about saving including are fun online resources to enhance membership.
Take advantage of higher yields, federal insurance, automatic renewal, and convenient dividend and maturity options today. Choose from 3- to 60-month terms with great rates, depending on your investment strategy.
With a Share Certificate account from the Ironworkers USA Credit Union, you are guaranteed an exact return on your investment as a result of fixed dividend rates. Take advantage of higher yields, federal insurance, automatic renewal, and convenient dividend and maturity options today. Choose from 3- to 60-month terms with great rates, depending on your investment strategy. At maturity your Share Certificate is set to automatically renew unless requested. You may also choose to transfer to your credit union checking or savings account or you may cash out.
For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.
For members wanting to invest their money for longer than one year, generally receiving a higher rate of return. You can start with as little as $500 and set your own term up to 60 months.
We are excited to offer a new, flexible Certificate of Deposit program that allows members to “bump up” the rate one time, without penalty, if the market changes and our interest rates go up during the term of your Share Certificate. The “Bump Up” Share Certificate program offers Share Certificates starting for as little as $5,000 for 24-60 month terms and is for new investments into the credit union. Money rolled over from other Ironworkers USA Credit Union accounts are not eligible for this special program.
| ACCOUNT TYPE | MINIMUM BALANCE | DIVIDEND RATE | APY* |
|---|---|---|---|
| Regular Shares | $5 | .10% | .100% |
| Kids Accounts | $5 | .10% | .100% |
| Christmas Club | $5 | .50% | .501% |
| Special Club | $100 | .50% | .501% |
| IRA Accounts | $100 | .50% | .501% |
| Share Certificates | $1,000 | Call for Rates | Call for Rates |
| Youth CD | $100 | Call for Rates | Call for Rates |
*Annual Percentage Yield
Dividend rates are declared quarterly by the Board of Directors depending on the Credit Union’s earnings.
Your Money is Safe and Secure
All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is a federal insurance fund backed by the full faith and credit of the U.S. Government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. If you have more than $250,000 on deposit at Ironworkers USA Federal Credit Union, ask us how you can maximize your coverage.
Coaching Our Youth (COY) is the Credit Union’s Youth Program designed to help your children receive a financial education and enjoy program incentives for achieving saving and learning goals.
Open a Youth CD for as little as $100 (up to $500) and earn a great dividend rate for a short term for just six months. (Members under age 18 only.)
All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF). The NCUSIF is a federal insurance fund backed by the full faith and credit of the U.S. Government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. If you have more than $250,000 on deposit at Ironworkers USA Federal Credit Union, ask us how you can maximize your coverage.
