Savings
 
 
Regular Savings
Access your account through lobby banking, Online Banking, Touch Tone Teller or  through the ATM. Convenient Direct Deposit and Payroll Deduction plans are available. A minimum balance of $5.00, which represents your share in the Credit Union, is required at all times.  Pays dividends on minimum balance of $1,000.00.
 
 
Christmas Club
The Christmas Club account runs from October to September. These funds become available EARLY for holiday shopping and bills. Deposits can be made through convenient Payroll Deduction. Minimum balance to earn dividends is $1,000.00.
 
 
Vacation Club
The Vacation Club helps you save for those much needed vacations.  Deposits are made in the same way as for a Share Account. Minimum balance to earn dividends is $1,000.00.
 
 
VISA Savings
The VISA savings account is a sub-account of your main savings that allows you to  save back for your monthly KH Network VISA payment.  Members may also use this account to save for any other purpose.  Minimum balance to earn dividends is $1,000.00.
 
 
Blue Ribbon Savings
Blue Ribbon Savings offers higher interest rates for members who maintain a balance over $2,500.00. Minimum balance to earn dividends is $2,500.00.
 
 
Share Certificates
Banks call them CDs, the Credit Union calls them Share Certificates. They pay a higher rate of interest on savings. Share Certificates can be purchased at a variety of rates and terms. A minimum deposit of $500.00 is required.
 
 
Money Market Accounts
The Money Market Account is our highest earning savings account. Earnings are based on three tiers, depending on the account balance. The three tiers are:
 
Bronze:    Balance of $5,000 to $9,999
Silver:      Balance of $10,000 to $24,999
Gold:       Balance of $25,000 and above       
 
 
IRAs
Individual Retirement Accounts or Arrangements (IRAs) are a safe way to build savings for retirement. - Visit www.irs.gov for more information about eligibility requirements.
 
 
HSAs
Health Savings Accounts (HSAs) are designed to give consumers more control over their health coverage. - Visit www.treasury.gov for more information about eligility requirements.