Membership

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Credit Union membership is for anyone who lives in, works in or owns property in the Jemez Valley or the Rio Rancho school district, or has a relative who is a member. Anyone wishing to apply is encouraged to come in to the Credit Union to speak with a Member Service Specialist.

Once you become a member you must maintain a $25.00 par share deposit in your Regular Share Account at all times. Once you have opened your account with the minimum Par Share deposit you can then open as many other account types as you need using the same member number.

Account Information

 


Avg Balance


Nominal
Dividend
Rate


APY

Regular Share - Savings Account

  • NO monthly service fee
  • Must maintain $25.00 Par Share Deposit
  • Dividends paid quarterly on balances of $100.00 and over
  • Statement issued quarterly

 

$100 - $999.99

1,000.00 & up

 

0.25%

0.50%

 

0.25%

0.50%

Share Draft - Checking Account

  • NO monthly service fee
  • No minimum balance required
  • Dividends paid monthly on balances of $2,000.00 and over
  • FREE personalized checks with Direct Deposit of retirement (restrictions apply)
  • Statement issued monthly

 

$0.00 - $1,999.99

$2,000 & up

 

-0-

0.20%

 

-0-

0.20%

Golden Share - Money Market Account

  • Monthly Service Fee of $5.00 is waived with a minimum daily balance of $500.00
  • Unlimited deposits
  • Transaction fee of $5.00 after the 3rd withdrawal in a statement cycle
  • Dividends paid quarterly on balances of $500.00 and over
  • Statement issued quarterly
  • Minimum withdrawal allowed $250.00

 

$500.01 - $10,000.00

$10,000.01 - $50,000.00

$50,000.01 - Up



0.35%

0.50%

0.65%



0.35%

0.50%

0.65%

IRA Shares - Individual Retirement Account

  • $10.00 annual maintenance fee
  • Dividends paid quarterly on all balances
  • Statement issued quarterly

IRA Shares:

0.65%

0.65%

(Calculations all based on quarterly compounding)

All APY calculations, except Golden Share and Share Draft Accounts, based on $1,000.00 balance. Golden Share and Share Draft Account calculations based on $500.00. * APY Calculations based on quarterly compounding and minimum balance as listed per account type. The rates as shown above are 1st QTR 2010 dividends as declared by the Board of Directors January 12, 2010.

 

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