Deposit Services

SAVINGS ACCOUNTS
   Prime Share (Share Account)
      With your $25.00 minimum deposit ta Prime Share savings account, you become part-owner of Acadia Federal Credit Union.  Once you become a member, you’re a member for life and you can take advantage of our many accounts and services designed thelp you improve your financial well-being.

• Minimum deposit $25.00
• No penalty for withdrawals or deposits
• Dividends are paid monthly on the average daily balance.
• Access your funds 24 hours a day with a Visa Debit Card at ncost
• Free Life Savings Insurance covering up t$2,000.00 offered teligible members
• Free Accidental Death & Dismemberment insurance available tmembers 18 years of age and older by completing an application
• Covered by the NCUA Share Insurance for an aggregate total of $100.000.
• Funds may be used as collateral on a loan
• Balance under $25.00 for over 6 months shall be closed with the proceeds tbe mailed.
• $15.00 penalty for closing within 90 days of open date.

MONTY MOOSE SAVINGS ACCOUNTS 
A Monty Moose account is a share account (savings) for children under the age of 13. 

• Minimum deposit $5.00
• No penalty for withdrawals or deposits
• Dividends are paid monthly on the average daily balance.
• Free Life Savings Insurance covering up t$2,000.00 offered teligible members
• Covered by the NCUA Share Insurance for an aggregate total of $100.000.
• When child turns 13 years of age, account converts ta Prime Share account.
• $15.00 penalty for closing within 90 days of open date

Club Accounts
Club accounts can turn your wishes intreality.  Save for that special gift, vacation, or put a little away each paycheck for your recurring bills.

• No minimum balance
• Dividends are paid monthly on the average daily balance
• No penalty for withdrawals or deposits
• No penalty for closing or reopening
• Covered by the NCUA Share Insurance for an aggregate total of $100,000

Escrow Club Accounts
Escrow Club Accounts are available to members who have a mortgage loan with Acadia Federal Credit Union. 

• No minimum balance
• Dividends are paid monthly on the average daily balance
• No penalty for withdrawals or deposits
• Funds are strictly tbe used tpay property taxes, homeowners insurance, water user fees, sewer user fees, or in any combination desired unless approved by management.

Certificate of Deposit Accounts
      Let your money work for you with an Acadia Federal Credit Union Share Certificate. Enjoy competitive rates and a variety of terms tmeet your savings needs. Plus Acadia Federal Credit Union Share Certificates has low minimum balance requirements. Various term CD’s are as follows:

• 3 Month & 6 Month Certificates
• Minimum balance $1,000
• Early withdrawal penalty – 30 days interest whether earned or not.
• Rate of interest is guaranteed for the term of the certificate

• 12 & 18 Month Certificates
• Minimum balance $500
• Early withdrawal penalty – 30 days interest whether earned or not.
• Rate of interest is guaranteed for the term of the certificate

• 24, 36, 48 & 60 Month Certificates
• Minimum balance $500
• Early withdrawal penalty – 90 days interest whether earned or not.
• Rate of interest is guaranteed for the term of the certificate

• JumbCertificates
• Minimum balance $100,000
• Certificate is negotiable from 1 month t5 years
• Rate of interest is guaranteed for the term of the certificate
• Early withdrawal penalty
• 1 – 12 M- 30 days interest whether earned or not
• 12 – 90 M- 90 days interest whether earned or not

Super Shares Account
      Receive a higher rate of return while maintaining liquidity.

• Minimum balance $1,000
• Withdrawals and deposits may be made in any denomination
• No penalties for deposit or withdrawals
• No penalty for closing or reopening account
• Covered by the NCUA Share Insurance for an aggregate total of $100,000
• Competitive Rates
• Dividends are computed on a daily accrual basis, with funds earning interest from day of deposit tday of withdrawal. 
• Dividends are paid monthly

Share Draft Accounts (Checking Accounts)

• No monthly service fee
• No minimum balance
• Visa Check Card with unlimited transactions
• Unlimited check writing
• Covered by the NCUA Share Insurance for an aggregate total of $100,000
• If share draft is not active for a period of three months and has a balance of $50.00, funds will be transferred tthe prime share account.
• A large variety of checks tchoose from
• Auttransfer from a share tcover non-sufficient funds
• 6 Free, then $5.00 thereafter
• Dividends are computed on an average daily balance with a minimum required balance of $300
• Dividends are posted on the last day of the month
• Access your funds 24 hours a day with a Visa Debit Card at ncost

Individual Retirement Accounts
   The earlier you open an IRA, the more your money will grow and the more you will have tenjoy in your retirement years. Acadia Federal Credit Union offers Traditional, Roth and Coverdell Educational IRA investments. NCUA insures Roth and Traditional IRAs up to $250,000.

• Traditional IRA’s -
• Roth IRA’s -
• Coverdell Education Savings Account (ESA) -
• (FOLLOW BROCHURE)
   IRA Clubs
  * No minimum balance tstart
    IRA Certificates
• Earn a higher rate of return with an IRA Certificate
• Rates, terms and conditions follow the Certificate of Deposit Accounts listed above

Health Savings Accounts
   Pre-tax savings that helps you cover certain health insurance deductibles and expenses.
     Steps tstart your Health Savings Account:

• Check with your health plan administrator for eligibility
• Stop in any Acadia Federal Credit Union office topen your account and start earning dividends!
• Choose from a variety of HSA accounts that best meets your needs.
  * HSA Share
  * HSA Club
  * HSA Share Draft
  * HSA Certificate
• Rates, terms and conditions follow the deposit accounts listed above