Savings

Paths of least resistance.

A minimum $10 deposit into a North Shore Federal Credit Union Share Account is all it takes to activate your membership. That’s it. No more membership fees, and no further minimum balance requirement to keep your account open. Plus, your shares immediately begin to earn monthly dividends. Ready to join in? We’ll count to ten.

BECOME A MEMBER
FOR AS LITTLE AS $10
Open Share Account

Share Savings

Your membership
trailhead.

A new vehicle purchase, friendlier mortgage terms, a business expansion—whatever your financial goals may be, opening a Share Account is where it all starts. Best of all, you’re off and running with a minimum deposit of $10.

Power Trippy Your $10 minimum deposit, the so-called par value of a share, is much like a stock that represents ownership in a public corporation. Bottom line: When you activate your membership, you own the North Shore Federal Credit Union experience.

Youth Savings

Giddy up,
piggy bank.

You’re never too young to start saving. All that’s required is $10 and proof of being a kid. Or spur on even greater savings with a Youth Advantage Certificate, featuring a minimum deposit of just $25 and the same rates the grown-ups get.

Secret Knock Bonus Youth Advantage Members receive a free t-shirt at account opening, and special incentives and fun programs throughout the year help remind them of the importance of saving.

Holiday Savings

Savings with all
the trimmings.

Some are born with a gift for managing money. The rest of us require smarter tools, like a Holiday Savings account. It’s the step-by-step way to plan ahead for holiday events or family vacations.

Ho-Ho Pro Tip Set up automatic transfers to your account and watch it grow. Funds may be withdrawn at any time during the year for special event needs, with the remainder transferred to your designated account shortly after October 31—just in time for holiday go-time.

Health Savings

Just what the financial
planner ordered.

If you have a qualifying health insurance plan, you can establish a Health Savings Account (HSA) to help meet deductible and non-covered medical expenses. Earnings are tax free until withdrawal, so the tax savings will assist in your overall financial planning goals.

To Your Retirement’s Health After age 65, HSA withdrawals for non-medical expenses are taxed similarly to traditional IRA withdrawals. If you’ve taken care to max out your 401(k) and IRA, contributing to an HSA is another strategy for supplementing your retirement savings.

Save the benefits for last.

Catch Z’s. Earn $’s.

Rest easy while your money works harder. Your savings accounts are federally insured up to $250,000 by the National Credit Union Share Insurance Fund, while typically earning a higher rate of interest than at traditional financial institutions.

No fees plus freebies.

Rather than push for fees on such things as debit cards, ATMs or our Small Change savings program, we load you up on free services like debt counseling and education, plus added conveniences like Digital Wallet, eBranch and more.

Savings you didn’t see coming: Patronage Rewards

Your Patronage Rewards savings account is created the moment you sign up for any savings, checking or loan account. Every member has one. This “catch-all” account is how we share our success with you through returned earnings. The more you save or borrow, the greater the rewards.

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Member Notice

New Hours Effective Oct 1st
8:30am-4:30pm

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