At Aspire FCU, we know that part of helping you reach your financial goals is by providing you with tools that will help you stay on the right financial track. Our savings and free checking account products are just some of these exceptional tools we offer. They are low-cost and offer convenience and flexibility to meet your needs. Most importantly, you can feel confident putting your money in your Credit Union because all accounts are insured up to at least $250,000 by the National Credit Union Administration (NCUA), a US Government Agency. Click here for more information about your Share Insurance protection and to make sure that all of your accounts are adequately covered using the NCUA’s Share Insurance Calculator.
Whether you get a Savings Account, Money Market, Share Certificate or IRA Account, you’ll receive high yields and flexible terms at Aspire FCU, helping you save more money for your future dreams.
Our Share Certificates are safe investment products, which offer guaranteed returns, with higher balances earning higher rates. We offer minimum deposits of just $500 with flexible terms ranging from 3 to 60 months.
Enjoy competitive dividend rates on high balance liquid accounts. Our Money Market Accounts allow you to earn a high rate – and have access to your money when you need it. We offer two types of money market accounts, starting with a minimum deposit of just $500. You can make six withdrawals per month (i.e. check, debit card, online and
Bill Payer transactions).
Savings Club Accounts are a great way to set aside a little money each pay period to save for holiday expenses or a special vacation. For as a little as $5.00, you can open this account and utilize automatic transfers each pay period, to make saving easy and definite. Click here to see a video on club accounts!
Your children will learn about money and savings through you. What better way to get them started than with an Aspire FCU Kids Count Account! You only need one dollar to open a Kids Count Account for youngsters under the age of 18. Plus, they will earn interest on their savings, motivating them to save even more!
A Custodial Account is another savings vehicle for your children. It allows you to save money for your child’s future needs, while shifting taxes on the account’s earnings to the child’s lower tax rate.
Please consult your tax advisor for complete details and specific advice.
Aspire FCU offers many IRA products to enhance your retirement plan. You may choose from Traditional and Roth IRAs, Coverdell Education Savings Accounts and an IRA Accumulator, which utilizes the convenience of Direct Deposit to build up your savings automatically. Most importantly, your funds are safe at your Credit Union. Your accounts are insured up to at least $250,000 by the National Credit Union Administration, NCUA, a US Government Agency.
You will find a comprehensive description of IRA plans and regulations below. Please consult your tax advisor for guidance. Contributions may be fully or partially tax deductible or non-deductible. Please consult your tax advisor for your specific tax advantages.
This IRA is perfect for individuals that find it easier to make a number of smaller contributions over a longer period of time. The IRA Accumulator can be classified as Traditional or Roth. Once it is classified, you will be able to enjoy all the features and restrictions of that particular type of IRA.
This Educational IRA is ideal for those individuals looking to save for the educational costs of a named beneficiary.
*Fees may reduce earnings. Distributions prior to age 59 ½ are subject to a 10% IRS early withdrawal penalty unless:
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