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| A home. A secure retirement. A dream vacation. Take them all for granted by starting to save for them now. No matter what your goals in life, we have an account to help you achieve them. |  |
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Current Savings Rates IRA Information
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to Save (Calculators)
Regulation
E (EFT) Disclosure
Fee Schedule
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| SAVINGS | ||
| A savings account is the foundation for every financial service offered by ATLCU. Build on it with direct deposit, access it with an ATM card or transfer money in and out of it with It's Me 247. | ||
| MONEY MARKET | ||
| A Money Market account allows you easy access at a more advantageous rate of return. Use your free checks to write as many as three $500+ checks per month. You may have as many as 6 automated transactions. Dividend rates ascend with your account balance. | ||
| CUSTOM SAVINGS ACCOUNT | ||
| In addition to our primary savings account, you may open additional "sub" accounts. Use these accounts to save for any special purpose. Do you need to have money ready to pay your taxes? Create a sub account and give it the nickname "Taxes." That's the name you'll see online, and the name we'll see when you transact with us. Try it out now in It's Me 247! | ||
| CHRISTMAS AND VACATION CLUBS | ||
| Two big
events during the year can be very costly. A Christmas Club allows you to
enjoy a stress free holiday by saving a little bit all year long. The
funds in this account typically earn a higher dividend rate than our
primary savings, and is transferred to your savings account automatically
on the 31st of October.
A Vacation Club will function in the same manner, except that it will mature and transfer to your savings account on April 30th. Not ready to use the money yet? Simply transfer the funds back into the Club account and you can withdraw the money when you need it. There is no restriction on withdrawals. It's an easy account to love. These accounts may be opened in It's Me 247. |
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| IRA | ||
| A
traditional IRA (Individual Retirement Account) is a special tax deferred
savings plan authorized by the Federal Government to encourage you to
accumulate money for retirement. You don't pay any taxes on the earnings
until you begin to make withdrawals from the account. You are eligible to
contribute to an IRA if your are under age 70 ½.
Maximize your earnings on these accounts with an IRA Term Share Certificate. |
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| COVERDELL EDUCATION SAVINGS | ||
| A Coverdell Education Savings, formerly known as Education IRAs, is an ideal way for you to begin saving money to help a child, grandchild or any young person you know pay for higher education expenses down the road. Contributions to a Coverdell Education Savings account are not tax-deductible, but distributions used to pay for the qualified education costs of the named beneficiary are generally tax free. | ||
| TERM SHARE CERTIFICATES | ||
| Term Share Certificates are available in terms ranging from 3 months to 5 years. These pay typically higher rates and are flexible enough to suit most any saver's style. Earn loyalty bonus dividends ranging from .10 to .25% APR when you allow your Certificate roll-over. You may also earn between .10 and .20% APR extra based on your Power of Ownership Relationship. Are you looking for the best way to spend your Power Points? You can use them to bump the current rate on Certificates at the time of purchase. With the Power of Ownership Program and our Certificates, you get a lot of bang for your buck! Power Points Redemption Chart | ||
