We have the accounts to suit the diverse needs of every family!

Just starting out:
Any financial plan begins with a Regular Savings account. All it takes is $25 to open, and you earn more than at any bank. Once you've set up your Regular Savings account, you're ready to begin exploring some of our other services.

Click here to apply for a membership!

Term Share Certificates:
With flexibility and competitive rates, these are a good complement to any investment plan. Certificate terms range from three months to five years. You can set one up with as little as $1000!

Click here to view some helpful tips!

Insured Money Market Rate Account (IMMRA):
Take advantage of the highest dividend rates in Ventura County. Our IMMRA offers high yield, safety, liquidity, and the convenience of checkbook access to your investment. It takes only $2,000 to open an account and you can relax knowing your deposits are insured to the highest standard too - up to $350,000*

Click here to view IMMRA rates!

*Insured by the National Credit Union Administration and American Share Insurance

Planning for retirement:
Our IRA Certificates pay competitive rates and require only $1000 to open. Choose from a Traditional IRA or a Roth IRA. Beginning savers should consider an IRA Savings account, which lets you start with as little as $25 and make deposits at any time. Once you accumulate $1000, you can roll your contributory account into a certificate for no fee.

For your protection, our IRA Certificates are insured up to $500,000 - the first $250,000 by the National Credit Union Administration and the next $250,000 by American Share Insurance.

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Saving for a child's education:
Coverdell Education Savings Account were formerly known as Education IRAs and are a way to save money for your child or grandchild's education. You can set up a Coverdell ESAs, in the form of either a Certificate or a Savings account. The rates are the same as for Traditional IRA or Roth IRA. Individuals may make nondeductible contributions of up to $2,000 per child. Withdrawals by the child before the age of 30 are tax and penalty-free when used for college education expenses.

Qualifying tax-free distributions include elementary and secondary school expenses such as tuition, academic tutoring, books, supplies, room and board, uniforms and transportation, as well as certain computer equipment.

We recommend you consult your tax advisor for tax-deductibility questions.

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Maximize your certificate yield:
If you need to maintain liquidity, consider laddering your certificates. Laddering combines the higher yield of a long-term investment with the liquidity of a short-term investment. For example, instead of investing a $5,000 in a one-year certificate, invest $1,000 in each of five certificates ranging in term from one to five years. You will earn a higher average yield and will have a certificate mature each year. You decide whether to cash out the maturing certificate or roll the money into a five-year certificate to keep the ladder going.