Savings Accounts
At ViaCU, Your Money
Grows Smarter
Where Your Money Grows Smarter
Elevate your savings with accounts,resources and tools designed to proactively grow your wealth.
ViaMembership Shares
Opening an account with us isn't just about saving; it's about becoming part of something bigger. As a member-owner, you're in for some great perks. Here's a sneak peek:
- No-Fee Zone with Just $50 - Maintain a balance of $50, and we'll waive the $3 monthly fee. Because we value your money as much as you do.
- Earn Daily, Enjoy Quarterly - Dividends are calculated daily and paid out quarterly, giving your savings a nice boost. It's like a little thank you note from us, every day.
- Withdraw Whenever - Need to access your funds? Go right ahead. No penalties here. It's your money, after all.
- Organize with Ease - Keep multiple savings goals under one account number. It's like having a personal finance organizer, all in one place.
- Festive Funds with the Christmas club1 - Get ahead of the holiday game. No mandatory deposits, but direct deposit is an option. Funds are sent via electronic transfer or check in early November.
Start enjoying the perks
Coindexter Club
For members 12 and under, Coindexter Club offers a fun and engaging way to learn about finances.
CUSave Teen Club
Aimed at members aged 13 to 17, the CUSave Teen Club empowers young individuals with savings and financial wisdom.
CU Seniors
Designed for members 55 and older, CU Seniors offers tailored financial services and discounts.
1 Dividends are paid daily and posted quarterly. No penalty for early withdrawal. Funds are automatically transferred into your ViaChecking account, or mailed if the balance is $100 or more.
ViaMoney Market Account: Where Your Money Works Harder
Craving high returns, full liquidity, and zero withdrawal restrictions? Look no further. Our ViaMoney Market shares are not just about great features; they're about giving your savings a power boost.
- Competitive Variable Rates - Our rates are like a magnet for your savings.
- Dividends, Compounded Monthly - Watch your money grow before your eyes.
- Withdraw Anytime - Your money, your rules.
- Unlimited Deposits - Deposit till your heart's content.
- Check Writing Privileges - Up to three checks a month, because flexibility matters.
- Boosted Rates for $2,000+ - More savings equals more earnings.
- ViaPremier Money Market Shares2 - Premium rates for balances over $100,000. Because you deserve it.
2 If the daily balance dips below $100,000, the standard ViaMembership Shares account rate applies.
Coverdell Education Savings Account: Smart Savings for School
Maximize your education savings with flexibility and tax-free earnings. Contribute up to $2,000/year/child and let family and friends chip in too. Transferring funds between siblings? Absolutely.3
3 For tax-free earnings, use funds for educational purposes by age 30. $2,000 annual limit applies to children under 18. A 10% penalty applies for non-educational use. Contributions aren't tax-deductible, but earnings are. Deadline for contributions is April 15th for the previous year.
ViaCertificates: Lock in Your Rate, Unlock Your Savings
Looking for a secure place to stash your cash? With a variety of terms, minimum deposits, and competitive rates, our ViaCertificates are your financial fortress.
- Flexible Terms - From 3 to 71 months, pick what works for you.
- Low Entry - Start with just $500.
- 10-Day Grace Period - Changed your mind post-renewal? No problem.
- Monthly Dividend Magic - Watch your savings grow every month.
ViaStart Up Certificate 4
The ViaStart Up Certificate allows you to start growing your savings with just $10. Making weekly deposits from your paycheck can develop a great savings habit and you'll see your money grow in just 12 months.
- 12 month term - money can add up quickly in just one year.
- $10 minimum to open - start with a little, end with a heap.
- Monthly deposits required - deposit as little as $5 each month. Set up direct deposit so your money is deposited automatically.
- Funds transfer to Membership Shares at maturity - surprise, you have money!
- Dividends compounded and paid monthly - it's a money-making machine.
4 ViaStart Up Certificate earns the same rate as standard 12-month certificate. Monthly deposits are required. Early withdrawal will result in a penalty of 60 days dividends on balance withdrawn, whether earned or not, remaining balance will transfer to membership shares and certificate will be closed. Penalty also applies if required monthly deposits are not met. Minimum balance: $10; maximum balance: $1,200.
ViaIRA: Future-Proof Your Retirement
Looking forward to retirement with a sparkle in your eye? A ViaIRA is your ticket to a worry-free future, offering smart, safe investment options that let you keep more of your hard-earned cash.
We've got two flavors: take your pick and watch your retirement dreams take flight.
- Traditional for tax-deductible contributions and deferred taxes on interest.
- Roth for post-tax contributions with tax-free growth.
5 Traditional IRA tax deductibility depends on active participation in a qualified retirement plan and/or taxable income.
6 Roth IRA accounts are tax and penalty-free if opened for at least five (5) years and funds are used by someone 59.5 years old, disabled or for the purpose of a first-home purchase. Contributions not allowed if earned income is greater than $153,000 (single) or $228,000 (married, filing jointly) in 2023. Deposits can be made up to April 15th for the previous year.
ViaHSA: Health Savings with a Heart 7
Our ViaHSA puts a healthy twist on saving, offering you a tax-advantaged way to cover qualified medical expenses. Think of it as a financial first-aid kit that keeps both your health and wallet in tip-top shape.
- HSA Checking Account - Comes with a Mastercard® debit card for easy access.
- HSA Savings Account - Earn dividends while keeping funds accessible.
- HSA Certificates - Lock in a rate with terms from 3 to 71 months.
7 Eligibility for a ViaHSA account depends on your employer's health plan.
Interactive calculators and all information within are provided for illustrative purposes only, and the accuracy is not guaranteed.