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Savings Services Basic Overview
Desert Sage FCU offers a variety of savings/investment services to help our member meet their financial goals. The following types of accounts are available at the credit union:

Regular share (savings) Accounts
Our most basic savings account is our regular share account. This account allows members easy deposit/withdrawal access. Funds are liquid with minimal deposit/withdrawal restrictions. A $50.00 minimum balance is the only requirement, and all of our members are required to maintain a regular share account to enjoy the benefits of credit union membership. Balances of $100.00 or more may receive dividends. The account pays a competitive dividend (interest) rate which is paid quarterly and subject to change. Deposits can be made through a variety of methods including electronic deposits, mail deposits, office visits, and/or payroll deduction.

Share Draft (Checking) Accounts
Say goodbye to your old checking account and say hello to a new share draft account. Our share draft accounts require no minimum balance, no per check charge, and no monthly service fees. We also offer debit cards with share draft accounts to qualifying members.

Merchant Processor Accounts
Merchant accounts are similar to share savings accounts and are available for various reasons such as vacation, taxes, insurance, etc. It is perfect to set aside money in a special account for a specific need. Minimum balance and withdrawal limits. Currently we offer Retail Store Merchant Accounts, Vacation Club Merchant Accounts, High Risk Merchant Accounts and Membership Club Club Accounts.

Share Certificates Accounts
Discover why an investment into a credit union Share Certificate is a smart investment. Similar to bank certificates of deposit, the account pays much higher dividends than regular share accounts and funds are deposited for a prescribed period of time. Share Certificate Accounts are term investments which pay higher dividends. Unlike regular share accounts and club accounts, Share Certificate Accounts are restricted from regular deposits and withdrawals. A variety of time frames are available to help meet out members needs. Dividends may be deposited into credit union share accounts or may be compounded into the balance of the share certificate. Share certificates may be closed early but will incur a penalty for early withdrawal. Members are notified of upcoming maturities. We do not practice automatic renewal of our members Share Certificates.

Credit Union deposits are insured
All funds deposited in Desert Sage FCU, up to $100,000.00 per member, are insured by the National Credit Union Administration (NCUA), an agency of the federal government.


 

 


 

Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency