Savings

Share Savings Account

Start with a fee-free Share Savings Account. It’s smart for everyday savings needs, because you can get going with a $5 ownership share. Add $100 and you’ll start earning competitive interest dividends. Plus, you can connect your account via free Direct Deposit or Payroll Deduction, so you’ll save — without even thinking about it.

Money Market Account

Our Money Market Account combines higher rates and a certain degree of flexibility, making it perfect for emergency funds. There are no fees, but there is a $1,000 balance requirement to earn the higher dividend. Each month, up to six withdrawals can be made (minimum of $250 per withdrawal), and there are no deposit limits.

Share Certificates of Deposit

Share Certificates of Deposit (CDs) typically offer even higher rates, and they’re great for savers who know they won’t need to tap into their funds for a certain period of time. A minimum deposit of $1,000 gets you started, and terms run from just 91 days to 36 months. Compounding and non-compounding certificates are available, so you have lots of options.

Other Accounts

Innovations also offers accounts for the two big ones—retirement and college savings. Competitive rates are available on Traditional and Roth Individual Retirement Accounts (IRAs) and Coverdell Education Savings Accounts. Open an account with just $5. Or, open a compounding IRA Share Certificate of Deposit with $1,000 and choose a term from 12 to 36 months.

And if you need more information on your options, don't worry. Just talk to any of our representatives—they're always happy to help.

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