Savings Options For Your Lifestyle

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Certificates

Certificate investment options range from 3-month to 60-month terms with a $500 minimum deposit.

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Member share savings

Become a Directions member when you open this account.

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Health savings account (HSA)

A specific savings account designed to help with out-of-pocket health expenses.

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Money management accounts

Designed for members who want higher dividends.

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Learn more about savings accounts and certificates

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Effective 08/25/2023
4.70%
14 Month Certificate Special***

Effective 08/25/2023
5.00%
19 Month Certificate Special***

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Certificates

Certificates are similar to savings accounts in that they’re insured and virtually risk-free. They’re also different from savings accounts because a fixed interest rate and a specific, fixed term (often three months, six months, one year or five years) is attached to them.

In order to gain the best yield on a certificate, your plan and commitment should be to hold it until full maturity, at which point, the money originally deposited can be withdrawn, along with the accrued interest.

  • Monthly service fee: $0
  • Deposit insurance: At least $250,000
  • Renewal at maturity: Automatic
  • Early withdrawal: Penalty applies
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Effective 05/23/2023
0.10%
Primary Share Savings
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Member share savings

Every Directions member starts with a Member Share Savings account. This membership level account is easy to get started and maintain, and with it you can take advantage of other Directions products and services.

  • Minimum opening deposit: $5
  • Monthly service fee: $0
  • Minimum balance to receive dividends: $25
  • Dividends compounded: Quarterly
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Health savings account (HSA)

A Health Savings Account (HSA) is a medical savings account available to members enrolled in a High Deductible Health Plan (HDHP). You can make tax-free contributions/deposits, plus earn interest. This account can be conveniently accessed with a debit card or check.

  • Member cannot be on Medicare or eligible to be claimed as a dependent
  • Contributed funds are not subject to federal income tax (subject to IRS guidelines and limits)
  • Funds roll over and accumulate year to year and may be used to pay for qualified medical expenses
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Effective 05/23/2023
0.30%
Money Management Account**
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Money management accounts

Money Management Accounts are designed for members wanting to receive higher dividends while maintaining liquidity.

  • Minimum opening deposit: $5
  • Monthly service fee: $0
  • Minimum balance to receive dividends: $2,500
  • Dividends compounded: Monthly

It's never too early to learn to save

Directions’ youth savings products are great ways to help kids learn the basics of healthy saving and spending. Get started with a regular share savings account and pick a prize from Sparkle’s prize chest with each deposit.

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