SHARE DRAFTS (CHECKING) ACCOUNTS


We offer something better than a checking account - our share draft accounts give you access to your money 24 hours a day. We offer several types of share draft accounts and have one that would fit your needs and budget.

Current Rates Effective July 11, 2018

Account Type Dividend Rate APY**
Regular Share Draft 0.20% 0.20%
Senior Star Share Draft
(Age 60 & Over)
0.20% 0.20%

Dividends are calculated daily and paid monthly. Fees may reduce earnings on the account.

Rates expressed as APY** (annual percentage yield). APY** accurate as of the last dividend declaration date. Rates may change after the account is opened.

Minimum Balance Share Draft (Checking) Account

  • Minimum balance of $300.00 required

  • No monthly service charge

  • Free ATM card or debit card

  • 50 free checks

Share Draft (Checking) Account

  • No minimum balance required

  • $3.21 service charge per month

  • Dividends paid monthly (see above chart for current rates)

  • Free ATM card or debit card

  • 50 free checks

Bright Star Share Draft (Checking) Account (ages 13-24)

  • No minimum balance required

  • No monthly service charge

  • Free ATM card or debit card

  • 50 free checks

Senior Star Share Draft (Checking) Account (age 60 and over)

  • No minimum balance required

  • No monthly service charge

  • Dividends paid monthly

  • Free ATM card or debit card

  • Free checks

APY** accurate as of the last dividend declaration date
Statements are sent on the last day of the month
Overdraft protection from savings to checking 6 times a month at no charge
All service charges include sales tax. Fees may reduce earnings on this account Standard credit qualifications may apply