Savings Options:
Membership Share Savings
Do you live, work, worship, or go to school in Huntington County? Then you should definitely become a member at CLFCU! It’s so simple… all you need is five bucks to deposit and keep in a Membership Share Savings account, and voila, you’re a member! But why stop there when we have so much more to offer? If savings accounts are your thing, whether you’re wanting to save for something special or maybe just for a rainy day, check out these additional savings options:
Special Savings
Club Accounts
Christmas & Vacation purposes
Youth Savings Accounts
Treasure Box Kidz Club
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- For children from birth to 12 years of age
- $5 minimum opening deposit
- Receives piggy bank at account opening
- Earns dividends monthly
- Whenever the child makes a deposit, they can choose a prize from our Treasure Box
- Invited to our annual Christmas party and other special events throughout the year
- Eligible to enter our K-12 Student Rewards Program
- Free quarterly statements
- Access to CLFCU Youth Facebook group and Instagram page
- Youth Text Alerts: Text YOUTH to (260)356-6220 to enroll
My Gen
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- For youth from 13-17 years of age
- $5 minimum opening deposit
- Earns dividends monthly
- Whenever the teen makes a deposit, they can choose a prize from our Treasure Box
- Invited to our annual Christmas Party and other special events throughout the year
- Eligible to enter our K-12 Student Rewards Program
- Free quarterly statements
- Access to CLFCU Youth Facebook group and Instagram page
- Youth Text Alerts: Text YOUTH to (260)356-6220 to enroll
Lifesavers Club Account
Specifically for youth under the age of 18, this savings account earns higher dividends than a regular Membership Share Savings
Individual Retirement Account (IRA) Savings
Health Savings Accounts (HSA)
Money Management Savings Account
You’ve worked hard for your savings, shouldn’t it work for you too? With CLFCU’s Money Management Savings Account, it can. Money Management Savings is a limited transaction account that serves as an alternative to Share Certificates. It can help you grow your savings balance, while still giving you access to your funds on a quarterly basis.
Checking Accounts:
Relax. Banking doesn’t have to be confusing or difficult. And at CLFCU our Basic Checking is just that… basic. It has everything you need in a checking account without any complicated requirements or stipulations. Want a little bit more out of your account? Our eChecking offers all of the benefits of Basic Checking with a few added perks.
Basic Checking
- $25 opening deposit
- No minimum balance requirement
- Unlimited deposits
- Unlimited check writing
- No per check charges
- Monthly statements
- $500 personal line of credit (upon approval)
- Free Debit Card
- Free Online Banking with home and mobile versions
- Free Bill Pay including Pay-A-Person Transfers (P2P) and Document Vault
- Free eStatements
- Free Telephone Banking
- Over 5000 FREE in-network ATM options nationwide
E-Checking*
All the benefits of Basic Checking plus:
- Earns dividends on tiered structure
- Discounts on loans
- Free notary service
- $1000 personal line of credit (upon approval)
- Overdraft forgiveness – We forgive share draft return and honor fees that were charged to your account the previous afternoon if you make a deposit by 9:59am the next business day following the overdraft. Deposit must fully cover the share draft that overdrew your account.
*eChecking fees may apply depending on your total relationship with CLFCU. If you maintain a relationship balance of $2500 or more, there is no fee for eChecking. A relationship balance is the total of all balances (loan and share) you have with CLFCU. Without a total relationship of $2500 or more, the account is subject to a monthly fee up to $6. See membership agreement for further information on eChecking fee schedule and rate structure.
Senior Checking
Primary account holder is at least 55 years old. All the benefits of Basic Checking plus:
- Earns dividends on tiered structure
- One free box of checks per year (WDBASIC check design only)
- Free mailed statements with online banking
Student Checking
For members 18-23 years old who are enrolled in a higher education program (verification required). All the benefits of Basic Checking plus:
- Up to $10 of out-of-network ATM surcharge fees refunded on the last day of every month.
Individual Retirement Accounts (IRAs) Certificates:
With an IRA Certificate from CLFCU, the retirement of your dreams is within reach! No matter what stage you’re at in life, we have great rates to get you set up for a comfortable future.
- Traditional
- Educational
- Roth
Share Certificates:
Sure, a piggy bank helps you save money, but it doesn’t pay you. Maybe it’s time to look into a CLFCU Certificate!
Rate Guard Option
- If rates increase during the second half of your term, you’re given a one-time allowance to boost your rate!
Variety of Terms and Yields
Periodic Certificate Specials
Student Share Certificate
- Available from birth to 18 years of age
- $500 minimum opening balance
- Unlimited deposits with a $25 minimum
- Rate: See normal rate schedule for a 36 month certificate
- Early withdrawal penalty: Loss of 6 months dividends