The STCU (Share) Savings account is prerequisite for membership. Once you open a savings account, you become a member-owner of the Credit Union. The minimum balance required to open and maintain this account is only $25.00. Once opened, you can begin to enjoy all of other low cost and affordable financial products and services that STCU has to offer.
Make your hard earned money work for you right away. Open an interest bearing savings account (compounded monthly) and your “nest egg” will grow larger in no time. Plus, you’ll have instant access to your funds through telephone transfers and ATM withdrawals.
An STCU Club Account is a great way to save for those unexpected emergencies, vacation getaways, home remodeling projects, or a down payment on a new auto or home by putting money away regularly through automatic payroll deductions and convenient direct deposit.
(Share Draft Accounts)
The STCU Credit Union offers unmatched convenience and a broad range of advantages when you open a checking account with us:
- Starter check package is FREE
- No Monthly Service Charge
- No Minimum Balance
- Free ATM access at all STCU and SUM ATMs
- 24-Hour Access to Your Account with the Easy Bank (413) 827-8000
- Bank by Mail
- Overdraft Protection - from savings or OD protection Loan
- Easy Check Balancing with our FREE Record Retention System, Easy to Read Laser Statements and Check Imaging System.
- ATM/Debit Cards are available to qualified members
- Rates
A Share Certificate earns higher dividends than the Regular Share Account. Certificates are offered for a term of three (6) months to sixty (60) months with a minimum deposit of $1,000.00. Certificates will automatically renew for the same term and at the new rate that is being offered at maturity.
STCU Credit Union offers Roth and Traditional IRAs, as well as the Coverdell Education Savings Account.
Traditional IRAs are more attractive than ever because expanded income limits mean more people will be able to make tax-deductible contributions. In addition, penalty-free withdrawals are allowed for qualified higher-education expenses and for a first-time home purchase.
Contributions to the Roth IRA or Coverdell ESA aren’t tax-deductible, but the accounts offer the opportunity for tax-free earnings.
Please stop by or call us today for more information on the benefits of a credit union IRA.
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