Just $15 to open! Dividends are paid quarterly from current income and available earnings. Don’t worry about overdraft fees as money will automatically be deducted from your share savings account (if funds are available) to cover insufficient funds in your share draft checking account.
All deposits are insured by an agency of the federal government - NCUSIF. The dividend rate will be determined each quarter by the Board of Directors and is subject to change.
Free to open and no minimum balance required! Each month a statement will be mailed to you unless you have signed up for e-statements. Don’t worry about overdraft fees as money will automatically be deducted from your share savings account (if funds are available) to cover insufficient funds in your share draft checking account at $2 per transfer.
Formerly called Certificates of Deposit, these are available in terms of 6 or 12 months and you get to choose how to receive your dividends. To apply for your Share Certificates, stop by the credit union on the DSC’s Daytona Beach campus in Building 300, Room 122.
A $1,000 minimum balance is required. Any withdrawal prior to maturity of the account will receive a penalty of 6 months loss of interest (earned or not).
Traditional and Roth IRA contribution limits for 2014 are $5,500 for those under the age of 50. Persons 50+ can make additional catch-up contributions of $1,000 for a total contribution limit of $6,500. You can have both Traditional and Roth IRAs in the same tax year, but you can’t exceed the contribution limit with our combined contributions to both accounts.
Regular IRA Accounts - No minimum balance required! Rates are subject to change.
Self-employed retirement plans may have different rules, so be sure to read up on the different self-employment tax plans or check with your accountant.
Minimum balance of $1,000 required! To apply for your IRA Certificates, stop by the credit union on the DSC’s Daytona Beach campus in Building 300, Room 122.
Rates are subject to change.
Start saving now and stop worrying about the “month after” bills. Contribute through direct deposit, payroll deduction or cash deposits, save on interest by not using your credit card, and add to your quarterly dividends. To apply for your Holiday Club Account, stop by the credit union on the DSC’s Daytona Beach campus in Building 300, Room 122.
(Kids Education & Development Savings Account) Specially designed for kids up to 12 years of age! Minimum balance of $5 with unlimited in-person withdrawals with no fee, and no monthly service charge. A parent or legal guardian is required to be joint owner of the account.
New accounts receive a gift upon opening.
Specifically designed for young adults from 13 – 22 that requires only a $5 minimum opening deposit, with no membership fee! No monthly service charges and we waive the fee for your first Debit card! We offer a Share Draft (checking) account for ages 16 and older, and a legal guardian is required for any members under the age of 18.
New accounts receive a gift upon opening.
Specially designed for members age 50+! Minimum balance of $1,000 combined in all accounts. You must have direct deposit of a pension, Social Security check(s) or employer payroll to receive these benefits. Includes all regular member share account benefits with 1 free book of checks each year, free money orders, and official checks.
Receive a free leather checkbook cover when you open a
share draft account and 0.25% additional added to your
current share certificate rate (restrictions
apply).
For more information or to set up
an appointment with a financial counselor, contact us
today. (All financial information is kept strictly
confidential).