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Check Account
National CU Administration


Checking Accounts at UFCW Community means no hidden costs but lots of extras.

  • No minimum balance
  • Check Cards
  • Free Bill Pay
  • Free Home Banking
  • Free E-Statements
  • Unlimited check writing



  • Provides a small return on your money…but keeps your money accessible at a moments notice.
  • $5.00 minimum balance
  • $5.00 membership fee
    *minimum $100 balance to receive dividends
  • Free 24 hour home banking and automated phone access

Super Sonic

The account is dividend bearing with slightly less flexibility than a traditional savings account

  • $500 minimum balance
  • Guaranteed return on investment
  • Rates set quarterly
  • No service fees
  • Free 24 hour bank by phone account (Speedy Access)


  • Liquidity of funds is inversely related to dividend bearing; the longer the term, the greater the return.
  • Guarantee return on investment
  • Requires a minimum deposit, amount may vary with term, dividend bearing rate
  • Wide variety of terms, ranging from 6 months to 5 years
  • Penalties charged for early withdrawal of funds

Individual Retirement Accounts (IRA's)

Long term investment, created to supplement your retirement and educational needs.


Traditional IRA

This plan offers tax-deferred earning and the possibility for tax-deductible contributions. The plan is subject to IRS regulations.

  • No Minimum
  • Deposits allowed at any time.
  • With a traditional IRA you may be able to deduct the contributions made to the IRA from your income taxes. Money can be withdrawn after age 59 1/2 but will be taxed as ordinary income.

Traditional IRA Forms

Roth IRA

This plan offers more incentives to boost retirement savings. Contributions are not tax-deductible, however, earning can be withdrawn tax-free as long as they conform to the plan revisions.

  • No Minimum
  • Deposits allowed at any time.
  • The Roth IRA holds after-tax dollars. By maximizing your contributions, you will add greater tax leverage to your retirement savings. Money can be withdrawn after 5 years and at age 59 1/2 and will not be considered taxable income.

Roth IRA Forms

Coverdell Educational IRA

This is a tax-advantaged saving plan that will help pay for a child's education expenses. Contributions are not tax-deductible; however, earnings can be withdrawn tax-free as long as it is used for the education of a child.

  • No Minimum Balance required to open
  • Deposits allowed until 18th birthday

Coverdell Educational IRA Forms

NCUA insures all IRA's up to $250,000 If you want to learn more about an IRA or are ready to open an account, call or stop in to speak to a Member Service Representative at one of our four convenient branches.