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Aspire Savings Account

Aspire Savings Accounts

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.

Save More Money

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.

Share Certificates

Share Certificates

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.

Money Market

Money Market

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).

Club Accounts

Club Accounts

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!

Kids Count Account

Custodial Accounts

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.

  • Dividends are tax-deferred until distribution. No penalties on withdrawals if taxpayer is: 1) Age 59 ½, 2) Buying a first home ($10,000 lifetime maximum), 3) Paying for college expenses or 4) Disabled or deceased. Withdrawals of contributions and earnings are subject to a 10% penalty unless taxpayer is covered under one of the aforementioned circumstances.
  • Contributions can be made at any time until April 15th of the following year.
  • The deductibility of your contribution varies depending on your Modified Adjusted Gross Income (MAGI) and whether you have a retirement plan at work.
  • Withdrawals must begin at age 70 ½.
  • Dividends are tax free upon distribution
  • Contributions cannot be tax deductions
  • Contributions may be withdrawn tax-free at any time. Earnings may be withdrawn tax-free if account has been open 5 years and taxpayer is: 1) Age 59 ½, 2) Buying a first home ($10,000 lifetime maximum) or 3) Disabled or deceased. Withdrawals of earnings are subject to a 10% penalty unless taxpayer is covered under one of the aforementioned circumstances. Withdrawals of earnings for college expenses will be subject to taxes but not penalties.
  • Contributions from conversion IRAs must remain on deposit for 5 years to avoid withdrawal penalty.
  • Contributions can be made at any time until April 15th of the following year

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.

  • Open an account with as little as $5
  • No set term
  • Earn competitive, variable dividend rates
  • Make automatic deposits through direct deposit

This Educational IRA is ideal for those individuals looking to save for the educational costs of a named beneficiary.

  • Open an account with as little as $500
  • Available terms: 3 months to 60 months
  • Tiered dividend levels and rates
  • Distributions are generally tax free if used for these types of expenses:
    • Expenses incurred in connection with the enrollment or attendance of the beneficiary at a public, private or religious elementary or secondary school
    • Post-secondary tuition, fees, textbooks, supplies and equipment
    • Post-secondary room and board expense – only if the beneficiary is enrolled on at least a half-time basis at an eligible institution
    • Contributions can be made at any time during a calendar year
    • Contribute up to $2,000 annually for each beneficiary up to their age 18.

*Fees may reduce earnings. Distributions prior to age 59 ½ are subject to a 10% IRS early withdrawal penalty unless:

  • Distribution is made due to account holder’s death
  • Distribution is made to an account holder who has become permanently and totally disabled
  • Distribution is made as a part of a series of substantially equal periodic payments
  • Used to pay medical expenses in excess of 7.5% of account holder’s adjusted gross income
  • Used to pay health insurance premiums for participants unemployed for 12 or more weeks
  • Used for the first-time purchase of a home (up to $10,000)
  • Used to pay for qualified higher education expenses

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