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Share Account
Checking Account
Money Market Account
Certificate of Deposit
Holiday Club
Individual Retirement Account
Discount Brokerage
Additional Services
Check Our Current Savings Rates
Calculate A Savings Growth
Share Account
Obtaining this basic savings account establishes your membership in the Credit Union. With a minimum deposit of $25 into this account, you will enjoy all of the products and services that we have to offer you as a member. Because you have a "Share account," you own a share of the Credit Union. You'll earn superior dividends while watching your savings balance grow.
Checking Account
Your Checking account is free at the Credit Union! There's no minimum balance requirements, no service charges, no per-check charges and you have the freedom to write as many checks as you like. Stop paying those high bank fees by opening a NYTEFCU Checking account today.
A Money Market account provides a higher return on your money without some of the risks associated with the stock market. Dividends are paid monthly and rates will follow changes in the market. With a minimum balance of $2,500, you can make unlimited deposits and withdrawals to this account. A limit of six checks may be written on this account monthly. Share Certificate (formerly Certificate of Deposit)
This account provides you with a very competitive dividend rate for a fixed period of time (from six months to five years). For your convenience, you can withdraw your dividends prior to the maturity of your certificate, but the principal you invest may not be withdrawn without penalty until the end of the term you select. When the account matures, you can roll over the account automatically or have the funds distributed to meet your investment needs. Enjoy earning high dividends on this account and you'll see how profitable it is to be a Credit Union member.
Holiday Club
Place money aside in a Holiday Club account for ease and convenience when it's time to do your holiday shopping. This account will earn the same dividend rate as a Share account. The funds will be held in this separate account that you can contribute to as often as you like. After accumulating the savings all year, the funds will be transferred into your Share account automatically during the first week of October.
Individual Retirement Account (IRA)
Are you making considerations for your retirement? With a Roth, Educational or Traditional IRA with the Credit Union, we'll help you plan for your future. Your funds can be placed in an IRA Share account or an IRA Certificate of Deposit (in terms from one to five years). Either way, you'll earn high dividends with these accounts. You may deposit up to $3,000 per year, either through payroll deduction or manual deposits. For those over 50 years of age, members may deposit an additional $500 "catch up" deposit as well! Contact a tax advisor to find out what you're eligible to contribute.
Additional Services:
VISA Cash Advances
Money Orders
American Express Travelers' Cheques
American Express Gift Cheques
Wire Transfers
Cashier's Checks
Certified Checks
Automatic Loan Payments
Free Notary Service
For additional information about these and other accounts, please visit our disclosure page.
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