Share Savings Accounts

Share Savings Account

This is our basic savings account required to establish membership.
Minimum deposit of $15.00 to open the account.
Available as an individual or joint account.
Earnings on your shares are called "dividends" and are declared periodically by the Board of Directors. Dividend rates are subject to change each dividend period.
Deposits can be made at any time, with cash, check or money order or by direct deposit and payroll deduction, in person, or by mail.
Withdrawals can be made by personal visit, or written request (email or fax) in the form of a check. Please note that our tellers do not disperse cash.
ATM cards and free access to our ATM machine are available to qualifying members.
Statements are sent at the end of each quarter.

One-time membership fee: $1.
If ATM card is used anywhere other than our ATM machine, you will be charged a $1 fee, in addition to the surcharge of that particular retailer or machine.
Low balance share withdrawal fee:
Each time your balance falls below $100, you will be charged a $1 fee.
Each time your balance falls below $50, you will be charged a $5 fee.
Telephone balance inquiry: FREE with Bank-by-Phone, or $1 with teller.

Fees subject to change without notice.

Designed to help you save money for the Holiday season.
Earns a 1.5% annual percentage yield (much higher than regular savings and even higher than some CDs!).
Open a Holiday Club Account at any time with a $15 minimum deposit and add to it whenever you wish up to $5,000.00.
Make withdrawals from this account (including dividends) anytime between October 1st and December 31st.
Statements are sent at the end of each quarter.

Early withdrawals from this account (between January 1st and September 30th) will incur a $15 fee per withdrawal.
Telephone balance inquiry: FREE with Bank-by-Phone, or $1 with teller.

Fees subject to change without notice.

Terms from 6 months to 24 months are available.
The minimum deposit is $2,500.
Rates vary with term and amount of deposit.
Once your Certificate reaches maturity, it will renew automatically for another term at North Side's current rate as of the maturity date, unless you give other instructions.
As with all Certificates, there is a penalty for early withdrawal.
Contact us for more information on opening a Certificate.

In the event of member account information (checkbook or other piece of identification) being lost of stolen, it is the member's responsibility to notify the credit union immediately.
To keep track of your account balance and avoid fees, consistently review your account statements, balance your checkbook, and call Bank-by-Phone as needed.

Federal insurance on your deposits
Member accounts are insurace by the NCUA (National Credit Union Administration), a U.S. Goverment Agency.