Savings & Investments

Membership Share/Savings Account

Enjoy all the advantages of Total Choice membership by opening a Membership Savings account with an initial deposit of only $10.00.  This $10.00 share in Total Choice, $5.00 of which must remain in your account, identifies you as a member and owner of Total Choice.  Your membership savings account also establishes a lifetime of financial benefits including our tradition of "Once a member, always a member!".

  • Quarterly dividends paid using Average Daily Balance Method
  • Funds insured up to $250,000 by the National Credit Union Administration
  • Use savings a collateral for a Share-secured loan
  • Transfer funds to and from this account by using QUE -- our free automated telephone service teller, Online Banking, or by visiting any branch location

Subshare Account

Usually members use Subshare Accounts for an escrow account or perhaps establishing a separate vehicle with the intention of building specific savings for insurance payments, education expenses, or even vacations!

Term Share Certificates

What an easy way to start an investment with a competitive high-yield dividend!  With a minimum deposit of $1,000, open a 6, 12, 24, or 36 month share certificate and watch your savings grow.  Upon maturity, you may renew your certificate or the funds will automatically be deposited directly into your Membership Share Savings Account.

Christmas Club Account

The perfect way to save for the holidays!  Start your account anytime during the year, but remember the earlier the better.  Christmas Club members can expect their savings diligence to pay our each year on November 1st by check or direct deposit into share savings or checking "in the Nick of time" for season gift giving or a holiday getaway.  Plan ahead for the perfect holiday season!  Don't forget that payroll deduction is the perfect tool to save effortlessly throughout the year.

  • Quarterly dividends paid using Average Daily Balance Method
  • Early withdrawal penalty
  • Payroll deduction, automatic transfer or cash deposits accepted

Kids Wish Savings Club Account

Start good savings habits early!  Our youth savings club is designed to give children a head start on their financial future.  Children up to 12 years old are automatically enrolled upon joining the credit union.  Once their account is established, their Total Choice membership provides for their financial needs into adulthood.  The Kid's Wish Savings Club teaches children about safe saving, wise spending, and makes financial education lots of fun.  All Kids Wish Club members enjoy:

  • Welcome Kit
  • Fun & fact Filled Newsletters
  • Seasonal Coloring Contest
  • Special Activities
  • Birthday Cards
  • Membership Fee Waived

Individual Retirement Accounts

Invest wisely and securely for your future with a Total Choice IRA.  Every dollar you contribute builds upon your retirement savings and provides for a financial sound tomorrow.

The following IRA investment options are available:

  • Traditional IRA
  • Roth IRA
  • Coverdell Education Savings Account IRA




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