Save and do more with your money

It’s more than the key to your CRCU membership. It’s an interest-earning account that can move you closer to your financial goals.

Why It's Great

  • Ideal for short-term savings goals
  • No monthly service fee
  • Can be accessed anytime to make deposits or withdrawals without penalties
  • Account qualifies you to apply for a CRCU loan
  • Provides Overdraft Protection for checking accounts
  • Free Online & Mobile Banking 
  • Free Bill Pay*, Mobile Deposit, Text Banking, and automated telephone banking with CRCU Touch Tone Teller 
  • Free debit card
  • Access to 55,000 surcharge-free ATMs
  • E-Statements and E-Notices available
  • Federally insured up to $250,000 by NCUA 

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What to know

  • $5 minimum to open
  • Withdrawals and transfers can be made via Online Banking, telephone Touch Tone Teller, or in person
  • Interest compounded and paid monthly
  • Interest rate subject to change monthly
  • Average daily balance of $100 to earn interest
  • Open additional savings accounts for special purposes, such as vacation, holiday gifts, or major expenses    

Other Savings Options

Certificate of Deposits
With opening balances as low as $100, terms from 90 days to 60 months, and generally higher rates than our regular savings accounts, you’ll reach your goals even faster.

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Freedom Money Market
CRCU money market savings accounts give you a higher-yield alternative for savings with a minimum deposit of $500. Money Market accounts give you freedom to access your money when you need it!

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Sprout Youth Savings

Teach your child or grandchild the value of saving, and watch their balance sprout up while they do!

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Health Savings Accounts (HSA)

Discover the extra benefits of a Health Savings Account by setting aside money for future medical expenses.

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Individual Retirement Accounts (IRAs)

Now’s the time to plan for what’s ahead. CRCU can support the long-term plan that’s best for you & your family.

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Christmas Club

Have all your holiday spending money saved just in time for the season with regular deposits throughout the year!

Learn More

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Checking for Everyone

Our accounts offer incredible convenience, security, and simplicity for you and your family.
  • Free Debit Card
  • Free Online, Mobile, & Text Banking with Mobile Deposit
  • + So much more!

How to get yours

Apply by visiting CRCU branch near you.


Frequently Asked Questions

Am I eligible to open a savings account?

CRCU has many ways to join. See our field of membership.

Can I have someone else on the account?

Yes, you may have an additional signer and/or beneficiary.

What kinds of ID or documents do I need to open the account?

An unexpired, government-issued form of identification evidencing residence and bearing a photograph, such as a state driver license or state-issued ID and Social Security number.

Can I open a savings account online?

Yes, we offer an easy online application.

What do I need to become a member?

Apply online or visit one of our branch locations.

Is there any penalty for too many withdrawals from the account? 


Why is there a $5 hold on my account? 

It is the minimum balance required to maintain your membership.

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*FREE Bill Pay service must be deemed active, requiring at least one payment every 30 days, in order to avoid fees. If inactive, a $3.95 per month fee will apply to maintain the Bill Pay account.