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SAVINGS

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.

Share (Savings) Account

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.

All Purpose Club Account

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.

Individual Retirement Account

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.

Christmas Club Account

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.

Youth Club Account

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.

Certificate Account

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.

Share Certificates (CDs)

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.

Short-Term Certificate

For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.

Long-Term Certificate

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.

Bump up Share Certificates

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.

*Bump Interest Rate Information. You may choose to update or “Bump” the Interest Rate and Annual Percentage Yield on 24-60 month certificate terms. The “Bump” option can only be exercised once during the term of the certificate. The rate will be changed to the current rate for that particular Bump-up Certificate type. Additional funds can be added to the account when the bump option is exercised. The updated or bumped Interest Rate will become effective within three business days after we receive your notice. The new Interest Rate will not be applied retroactively.
ACCOUNT TYPEMINIMUM BALANCEDIVIDEND RATEAPY*
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$1,000Call for RatesCall for Rates
Youth CD$100Call for RatesCall 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.

Youth Club Accounts

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.

  • With a minimum deposit of $5, children under age 18 earn quarterly dividends and learn about the benefits of compounding dividends.
  • Children age 16 and older can open a checking account with a Visa® debit card tied to their account (with a joint owner on the account over the age of 18). This account includes nationwide ATM access.
  • The Credit Union will provide youth members with financial education materials, including online resources, to enhance membership with fun, learning activities.
  • To open an account for a child under 18, bring a copy of the child’s Social Security card and a $25 opening deposit.

Youth Certificate Special

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.)

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.

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