Save today for your future.
Your base membership account not only represents your ownership in SMACU but will also earn competitive dividends (interest) on deposit balances. In addition, a host of other savings options are available to meet your particular investment needs.
Deposits
For your convenience, you can make a deposit into any of your savings accounts in person at one of our branches, including our Shared Branch Partners, or U.S. mail. But the easiest way to make a deposit is with our direct deposit and automatic transfer services. With direct deposit or automatic transfers, you can automatically deposit your entire check or a portion of your paycheck to any of your SMACU Accounts.
Shares/Savings
- $5 to open and maintain membership
- Earn dividends on daily balances of $100 or more
- Dividends are calculated on the daily balance and compounded and paid monthly
- Payroll deduction is available for an easy way to save
- You can change the amount deducted at any time
- Free of monthly service charges
Advantage Account
- Requires a minimum balance of $2,000
- Earns a higher dividend rate than the regular savings
- Dividends are calculated on the daily balance and compounded and paid monthly
- Deposits and withdrawals can be made at any time
- Having this account provides overdraft protection
- Payroll deduction is available
- You can change the amount deducted at any time
Holiday Account
- Requires a minimum balance of $5
- Earn dividends on daily balances of $100 or more
- Dividends are calculated on the daily balance and compounded and paid monthly
- You can join at any time
- It’s easy to save for the holiday or a vacation with payroll deduction. You can change the amount at any time during the year.
- Balances are transferred to your savings or checking account on November 1st
- To discourage withdrawals during the year, there is a fee for each withdrawal
