Savings Accounts

Saving your money for the future is not only smart financial management, it is the keystone to your relationship with Five County Credit Union.

Savings »

  • Minimum of $25 in a Savings Account.
  • NCUA deposit insurance up to $250,000 per member
  • ESI-private deposit insurance up to $250,000 per member

Prime Time Account- 60 and over with direct deposit

In addition to the services offered to all credit union members, Prime Time members receive these extra benefits:

  • Free Checks
  • Free Money Order

Youth Account - 12 and under

Let us help you build your child's financial future with a youth savings account. Ask about an account for our 12 and under members where they will learn about financial literacy and start saving early on!

Clubs »

Christmas Club

Saving early for the holidays can relieve some of the season's stress, and your credit union has just the answer. Let Five County Credit Union help you save money throughout the year with a personal Christmas Club. The Christmas Club account allows you to set a specified amount of money aside each month. Come October, you'll be thankful you thought ahead.

  • No minimum balance

Special Savings Club

Open an account for any special savings need -- taxes, vacations, down payments...

  • No minimum balance

Investments »

SHIP Account (Shareholder's Investment Program - 90-day notice account)

It's never been easier to save! Earn a dividend yield similar to a savings certificate with a minimum deposit of just $5.00. Exclusive to Five County CU, the SHIP Account is a great tool to start a serious savings plan with a high rate of return. A substantial penalty applies for any withdrawal without the required 90-day written notice.

GOLDEN RATE FUND (money market account):

Minimum balance to open is $1,000. No penalty for withdrawals from your Golden Rate Fund (minimum withdrawal amount: $250).

GOLDEN RATE FUND PLUS (money market account):

Minimum balance to open is $5,000. The Golden Rate Fund Plus account offers the benefits of the Golden Rate Fund, PLUS the convenience of checks. Write up to three checks per month with a minimum check withdrawal of $500. Penalties apply for writing checks under the minimum withdrawal amount and for exceeding three checks per month. No penalty is assessed if the balance falls below $5,000, however the account will not earn dividends if the balance falls below $5,000 during the month.

The Ship Account, Golden Rate Fund and Golden Rate Fund Plus, are all variable rate accounts. Deposits can be made at any time. See about our payroll deduction and direct deposit options.


Certificate rates are posted in the credit union lobby and are subject to change without notice.

90 Day Certificates - 5 Year Certificates

Individual Retirement (IRA) »

Individual Retirement Accounts (IRAs) are tax-advantage accounts to save for retirement. These are individual accounts, there can be no joint account holder however beneficiaries can be named.

  • Traditional IRA: Earnings grow tax deferred, so you won’t owe income taxes until you make withdrawals. If you are eligible, your contributions are tax deductible.
  • Roth IRA: Earnings grow tax deferred. Qualified withdrawals are tax free provided you are at least age 59 ½ and have owned the Roth IRA for at least 5 years.
Current Annual Contribution Limits are $5500 per person (with a catch-up amount of $1000 if you are over the age of 50, totaling $6500).

Five County Credit Union offers Regular Savings IRAs, IRA Term Savings Certificates and IRA SHIP Accounts to maximize your dividend earnings.

Click here for IRA Rates