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Personal Savings

Personal Savings Account

Easy access to your accounts from:

  • Online Banking
  • Automated Telephone Banking
  • Visa® Debit Card
  • Worldwide ATM Network (at the Credit Union or on ATMs displaying the PLUS, CU24 and Allpoint network logos)

Savings Account Options

Membership Savings Account – A flexible Savings Account made to fit your needs!

  • Opened when you join
  • Only a $5 deposit is needed
  • No minimum balance required to earn compounded interest
  • Joint accounts available

Custodial Savings Account – Save for your child’s future, make gifts, or transfer money to a minor.**

A Custodial Account is a savings account for a minor child, with an adult as the custodian. The account is set up under the minor’s Social Security number and date of birth. The money in the account remains under the control of the custodian until the child reaches legal age.

  • Available with a Savings, Educational Savings Account (ESA), or Certificate account
  • There may be tax advantages with this type of account under the Uniform Transfer to Minors Act (UTMA)
  • Savings federally insured by the NCUA to at least $250,000
  • Educational Savings Account (ESA) offering tax-free withdrawals to pay for higher education
  • Online Banking and Mobile Banking access for the custodian

Log in to Online Banking to open your Savings Account today!

To open a Custodial Account, click here to download an application. You will need to provide a Social Security number for the child and a passport or driver’s license for the primary adult, parent, guardian, and/or grandparent Member.

*All iTHINK Financial Memberships and Savings accounts are subject to eligibility, address and identification verification, and qualification. The Credit Union does not accept Interest on Lawyer Trust Accounts (IOLTAs), Irrevocable Trusts, Money Service Businesses (MSBs) Qualified Income Trusts (QITs) for Medicaid recipients, or Political Campaign Accounts. Please refer to a current Membership Disclosure, Fee Schedule and Share Account Rate Sheet, or contact a Member Service Advisor at 800.873.5100 or, or visit a branch near you for more details on the rates, terms, penalties, fees and conditions that may apply

**Although the account is maintained in the name of the minor, you, as the custodian, control the account and oversee all activity on the account until the minor reaches age 21, generally, unless your State’s law dictates otherwise, at which time the child has the right to the funds. On the child’s behalf, the custodian makes the decisions about how the money is invested, and when and how to spend it. Contact your professional financial advisor for more information. The custodian must be an iTHINK Financial Member. Custodial accounts are for the benefit of a minor child, and may not be used as a transactional account for the custodian’s personal finances. Contact a Member Service Advisor for details on the fees, terms and conditions that may apply.

Compare Your Savings Options

Savings Account Comparison Table

Share Money Market Max Certificate
Opening Balance $5 $500            $1,000
Minimum Daily Balance $300* $500**           None
Interest Quarterly Monthly Monthly
Early Withdrawal Penalty No No Yes
ATM Access Yes Yes No
# of Transactions/Debits Unlimited 6/month None

*$300 average monthly balance in all share accounts required to avoid fee for Basic Members.
**$500 minimum daily balance required to avoid fee for Bronze and Basic Members.

Learn more about our other savings options:

Money Market Accounts
Trust Accountsdownload application
Estate Accounts – call us for more info
To learn about buying Savings Bonds, click here.

Contact us at 800.873.5100 or for more information.



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