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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

*APR = Annual Percentage Rate. Subject to credit approval. Rate and term available for 2019 and newer vehicles only. APY = Annual Percentage Yield. Membership eligibility is required. Federally insured by the NCUA. St. Mary’s & Affiliates Credit Union is an Equal Housing Opportunity Lender. St. Mary’s & Affiliates Credit Union is a full-service financial institution serving Adams, Dane, Iowa, Juneau, Rock, and Sauk Counties.