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Savings
| Share Savings Account |
| Your Share Savings Account is your membership account in the credit union. Dividends arecalculated on the average daily balance and paid to your account quarterly. Direct deposit or payroll deduction are also available for your convenience. |
| Save For Something |
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Cities Credit Union offers a unique savings product ensured to help you save. Just simply tell us what you are saving for and we'll help you get there. Once you've saved for something, save for something else. To encourage members to save, this account has a higher earnings rate than a Share Account.
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| Certificate of Deposits |
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Certificates are available in terms ranging from 3-months to 36-month terms. You may choose to have the interest compound quarterly to your certificate, paid quarterly to your credit union account or dividends paid directly to you. Certificate of Deposits are automatically renewable for a like term at the interest rate in effect on the date of maturity. Our CDs are a secure savings tools that earns competitive rates.
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| Money Market Savings Account |
| Earn a great rate of return while keeping your funds available for withdrawal. The money market account is a savings account that pays higher dividends. Dividends on this account are calculated on your average daily balance and are paid to the account quarterly. |
| Individual Retirement Accounts |
A Traditional IRA creates significant up-front tax advantages, and with less money taken out for taxes, the power of compound earnings is greater. A Traditional IRA makes sense if you want a tax deduction now or if you think you'll be in a lower tax bracket when you retire.
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- Contributions are tax-deductible if you qualify
- Earnings accumulated are tax-deferred
- The amount you can contribute is increasing
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Roth IRA offers a unique savings opportunity, which has gotten better over the years. They give you a safe and easy way to save for the future. A Roth IRA is a good fit if you don't need the tax break now and want future flexibility with your funds.
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- Offers flexible withdrawal options
- Contributions are allowed at any age
- Qualified distributions are tax-free
- The amount you can contribute is increasing
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Make deposits into a six-month, 12-month, or 24-month IRA Certificates with $500 or more. Interest is compounded to either type of account quarterly.
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| Holiday Savings Account |
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A holiday savings account can make it easy to save for holiday purchases. You decide how much to put away each month or each payday. The balance along with dividends will be transferred to your share savings account on the first business day of November - just in time for holiday shopping. Set up automatic direct deposits to make this an even better way to save.
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Click here to view our current rates
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