Membership Eligibility |
| Collins Community Credit Union is open to all businesses located in or persons living or working in Linn, Benton, Buchanan, Cedar, Delaware, Iowa, Johnson and Jones counties. |
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| Regular Share Savings |
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The Regular Share Savings account is our basic share account. Just a $5.00 minimum deposit opens your membership and gives you a share in the Credit Union. Once your membership is established it allows you to access many other financial products and services the credit union offers.
- $100 minimum balance to earn dividends
- Dividends are calculated and compounded daily and paid monthly
- Payroll deduction deposits accepted
- Quarterly Statement
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| Share Savings Plus |
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| For a higher earning account with an added PLUS, many of our members enjoy the Share Savings Plus Account that earns more on higher balances. |
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- $500.00 minimum initial deposit to establish account
- Dividends are calculated and compounded daily and paid monthly
- Payroll deduction deposits accepted
- Quarterly statement
- Unlimited Withdrawals
- Each tier has a graduated dividend rate based on daily balance minimums:
- 1st - $100,000 or more
- 2nd - $50,000 - 99,999.99
- 3rd - $15,000.00 - $49,999.99
- 4th - $5,000.00 - $ 14,999.99
- 5th - $ 1,000.00 - $ 4999.99
- 6th - $ 999.99 - $100.00
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| Money
Market Plus |
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- $1000.00 minimum initial deposit to establish account
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$ 5.00 minimum balance to maintain
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Dividends are calculated and compounded daily and paid monthly
on a balance of $100.00 or more.
- Rates may change
monthly
- Quarterly statements unless EFT activity occurs
- Limited withdrawal transactions
(6 per month)
- Excessive withdrawal fee- $5.00 per
month fee if more than 6 transactions (decreasing the balance)
occurs in a one month period.
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Not available for IRA funds
| Transactions include:
All activity in which funds are removed from the account |
| Teller withdrawals or transfers |
ACH - EFT pre-authorized
withdrawals |
| CU online or ARTS withdrawals or
transfers |
Transfer file - Internal
transfer to loan payments
or other accounts |
| ATM or Debit card withdrawals or
transfers |
Overdraft protection - funds
moved from Money Market to checking to cover checks |
- Each tier has a graduated dividend rate based on daily
balance minimums:
- 1st - $250,000 or more
- 2nd - $100,000.00 - 249,999.99
- 3rd - $50,000.00 - $99,999.99
- 4th - $10,000.00 - $ 49,999.99
- 5th - $ 100.00 - $ 9999.99
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| Thrift / Vacation Account |
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The Thrift / Vacation account is the perfect account when you need to save for a special purpose.
- Dividends are calculated and compounded daily and paid monthly
- Payroll deduction deposits accepted
The Thrift / Vacation balance is maintained separate from any other share account you may have at the credit union. This enables you to keep track of the account activity. Whether it's for future wedding expenses, a honeymoon trip, an anniversary gift, a family vacation or any special purpose, the Thrift / Vacation account is there for you. |
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| Christmas Club Account |
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| Deposits to your Christmas Club* account throughout the year can prepare you for those holiday expenses. |
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- Dividends are calculated and compounded daily and paid monthly
- Payroll deduction deposits accepted
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| Your Christmas Club account balance is automatically transferred to your Share Savings account in November, just in time for holiday shopping. |
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| * No withdrawals are permitted during the calendar year except to close an account. |
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| The Kirby Kangaroo Club* |
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| For children, grandchildren, nephews and nieces, the Kirby Kangaroo Club encourages good savings habits for children up to age 12 and provides a lot of fun along the way. With a minimum deposit, Kirby Kangaroo savers earn a dividend on every dollar from the date of deposit to the date of withdrawal. |
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- Dividends are calculated and compounded daily and paid monthly. Minimum deposit $5.00
- Payroll deduction deposits accepted
- Set up in a trust format so you as parent / guardian may withdraw but child can not
- Special activities throughout the year.
Visit Kids Connection for more information.
Children's Online Privacy Policy Statement
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| STAR Account |
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(Student/Teen Account Relationship)*
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| To continue to meet the needs of our younger members, the STAR account is the next
step in the savings process, after the Kirby Kangaroo Club. This account is designed for the 13 year old through the
age of 23. And can be set up as individual or joint with parent or guardian. |
- Minimum opening balance $5.00.
- Minimum balance to receive interest $5.00.
- Statements mailed quarterly.
- Teen Links/Newsletter/Scholarship Information.
- STAR Certificate of Deposit:
- Minimum balance to open $100.00
- $100.00 or more can be added at any time. (certain restrictions apply)
- 12 month fixed term that is auto-renewable.
Optional Services Include:
- CU online - Internet Access (free)
- ARTS Network - Phone Access (free)
- ATM-Cash & Carry Card (certain restrictions apply)
- ATM/Debit-Check & Carry Card (certain restrictions apply)
- Sharedraft/Sharedraft Plus Account
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| Fortune 50 Account |
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- $50 minimum balance to earn dividends
- Dividends are calculated and compounded daily and paid monthly
- Payroll deduction deposits accepted
- No Fee American Express Travelers Cheques
- Free Notary Service
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| NCUA |
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Each member account is federally insured to $100,000 by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Individual Retirement Accounts are separately insured
up to $250,000 by NCUA
For more detailed information about NCUA click in the link below.
http://www.ncua.gov/ShareInsurance/SpecialBulletin.pdf
(Acrobat Reader is required.)
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