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ATM Services Debit Card (MemberCard) Chequing Accounts Packaged Accounts Savings Accounts Credit Cards Line of Credit Overdraft Protection Sundry Services Internet Banking (MemberDirect) Telephone Banking		Savings Accounts Share Savings The Share Savings account is unique to Credit Unions. It is an account, which is opened when you first join the Credit Union. The $5 share account represents your ownership in the Credit Union, allowing you to have a vote at the Annual Meeting and have a say in how the business is run. Features: Minimum requirement of $5 Dividends calculated on minimum monthly balance Dividends paid annually, based on Credit Union earnings and market share SmartSave Start calculating interest from day one...The SmartSave account calculates interest from the first dollar you invest...and the more you invest, the higher the rate. Features: Interest calculated on the daily closing balance Interest paid monthly Check with individual Credit Unions for product availability.