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Regular Share Savings Account

The Regular Share Savings Account is the first step to credit union membership!

When you become a member of the credit union, a regular share savings account is opened in your name. All that's required is a small initial deposit of $15 ($10 membership fee and a required $5 deposit to maintain a par value in the account). After that, you're ready to take advantage of all the benefits credit union membership has to offer!

  • Competitive Dividend Rate*
  • Free Online Account Access
  • Direct Deposit
  • Quarterly statements

To withdraw money from your savings account, simply contact CESFCU contactcesfcu@uaex.edu or 501-671-2038.

All must demonstrate regular activity in their account to ensure that your account remains active to avoid an inactivity fee. An inactive account is defined as a share account that:

  • Has less than $200.00 and has no loans or a credit card;
  • Has had less than $200.00 for a period of twelve (12) months with no activity.

An inactive fee of $15.00 will be charged each quarter on inactive accounts with less than $200.00.

*Dividends are paid quarterly on the average daily balance in your savings account.

 

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Requirements for Opening a Membership with CESFCU


Other Special Savings and Club Accounts

At CESFCU, you can open additional Special Savings or Club accounts and save for Vacation, Christmas or anything else that you want to save for:

  • Vacation
  • Christmas
  • Special Savings, taxes, insurance, etc.

Our Special Savings and Club Accounts include:

  • Competitive Dividend Rate* 
  • Free Online Account Access
  • Direct Deposit
  • Quarterly statements

To withdraw money from your savings account, simply contact CESFCU contactcesfcu@uaex.edu or 501-671-2038.

*Dividends are paid quarterly on the average daily balance in your savings account.


Share Certificates

You can open a Share Certificate with a minimum balance of $1,000. Certificates are available with terms of 6 and 12 months. Features of our Share Certificates include:

  • A fixed dividend for the term of the certificate
  • Competitive Dividend Rate* 
  • Free Online Account Access
  • Quarterly statements

*Dividends are paid at time of maturity.


Share Rates

Savings account rates are declared by the Board of Directors quarterly, and dividends are paid quarterly.

All dividend rates are quoted as Annual Percentage Yields (APY). Substantial penalties may apply for early withdrawal of funds from term accounts. (Fees could reduce earnings or principal.)

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