Savings (Primary Share) Account Each member must establish a regular share account. With this account you will become eligible for the many services that we offer. This account posts dividends on a quarterly basis. All savings accounts are federally insured up to $100,000 by the National Credit Union Administration.   Children's  Account Teach your children the value of a dollar by encouraging them to save. Our children's accounts do not require a minimum balance to earn a dividend.   Checking (Share Draft) Account There are no monthly service charges or per check fees with this account. Payroll deduction and direct deposit are available. Earn a dividend on accounts that maintain a balance of $500 or more for the entire month. You will receive a monthly statement. ATMs are available with low transaction fees. For a convenient way to reorder checks, you may use the Check Reorder Express. Check Reorder Express is a secure application for check reorders and worry-free because the charge is automatically debited from your credit union account. To visit the Check Reorder Express, go to Clarke American.   Holiday Club Account Get a head start on your holiday gift buying. Earn dividends like regular share accounts. A minimum balance is not required to earn a dividend. Your Club account will automatically be transferred to your primary share account during the first week of November. You may then use our MATT line to transfer your funds to your checking account or to have a check mailed to you.   Individual Retirement Account This is a tax-deferred account that can reduce our current income taxes. Payroll deduction makes this a convenient way to prepare for your future. Dividend rates are declared quarterly.