Savings Accounts

Regular Share Account (Savings)

• Establishes membership/ownership in the credit union and is required for all members.
• $10.00 minimum balance is required to open and maintain the account.
• Dividends are credited and compounded quarterly.

Christmas/Vacation/Special Club Accounts

• Set aside money for the holidays, taking that dream vacation, or for any purpose! Ideal for automatic deposit or payroll direct deposit.
• No restrictions on deposits or withdrawals.
• Dividends are credited and compounded quarterly.

Minor Savings Account

For our members under the age of 18, Members Source CU offers two great savings accounts!

Kid Zone

• A fun way for children 12 years and younger to learn to save money.
• Pick a prize from our Kid Zone toy box by depositing $10 or more (maximum 2 prizes per month).
• Make a $10 deposit every month for 10 months and earn an extra reward! *

Teen Zone

• Our members age 13 to 17 can continue to earn incentives to save money.
• Pick a prize from our Teen Zone prize box by depositing $25 or more (maximum 2 prizes per month).
• Make a $25 deposit every month for 10 months and earn an extra reward! *
• We also offer a Minor Share Draft Account, read more about it below!

* Restrictions do apply.

Money Market Account (Funds Manager)

• Earn higher dividend rates with a $2,500.00 or $5,000.00 minimum balance.
• No restrictions on deposits or withdrawals.
• Dividends are credited and compounded quarterly.

Certificates

• Terms of 6 months up to 36 months.
• $1,000.00 minimum investment.
• Dividends are credited and compounded monthly.

Individual Retirement Accounts (IRA)
Traditional, Roth and Coverdell Education Savings Account (ESA)

IRA Share Account

• Contributions can be made anytime.
• Dividends are credited and compounded quarterly.

IRA Certificates

• Terms of 6 months up to 36 months.
• $1,000.00 minimum investment.
• Dividends are credited and compounded monthly.

Draft Accounts

Draft Account (Checking)

• No Minimum Balance Required ($100 deposit required to open account)
• No monthly fees and unlimited check writing.
• Avoid the embarrassment of returned checks with automatic overdraft from your Regular Share account. Only $6.00 per transfer, a significant savings over returned check fees.
• Your first 150 checks are free.
• Dividends are credited and compounded monthly.

New! Courtesy Pay Privilege is now available to Share Draft Accounts in good standing! For more details, click here. If you would like to learn about our overdraft coverage for your Debit Card, click here.

Minor Draft Account (Checking)

• This limited service draft account is designed for our Teen Zone members, ages 16 and older.*
• Learn how to manage money with check writing privileges.
• Our Home Banking and SYBIL services can help you balance your money too!

*Restrictions do apply.

Account Services

VISA Debit Card

• Use your debit card everywhere you see the VISA logo and your transactions will be automatically deducted from your Draft account.
• You can also use your debit card to get fast cash access through ATMs.
• Access your credit union Share Savings and Draft accounts through local, national and international ATM networks. Click here for a list of  surcharge free ATMs.

VISA Gift Cards

• A great alternative to using traveler’s checks for vacations, or instead of shopping for graduations, birthdays or holidays!
• Available in two different designs and can be loaded with values from $25.00 - $1,000.00.
• Accepted anywhere VISA debit cards are accepted.
• Online access to check your gift card balances.

Telephone Teller/Audio Response—SYBIL

• Access your accounts using a touch-tone phone 24 hours a day, 7 days a week.
• Call SYBIL at (888)894-3424 or (219)756-4131.

Online Banking with Perfect Teller

• Access your accounts 24/7 whether you’re at home or on the go! From your PC, simply visit the Home Banking link; or from a web enabled smart device, visit http://m.pt4web.com/20532. Either way, it’s easy and it’s free – contact us today to sign up!

Online Bill Pay

• Save your checks and your stamps by paying all your bills online! It’s easy to set up and convenient to use.
• FREE!
• UNLIMITED payments to any merchant you owe!
• Click here to sign up today!

Direct Deposit

• Available for Pension, Social Security, payroll, dividends, etc.

Contact the credit union for more details on any of our account services.