Savings Options For Your Lifestyle

Member Share Savings

Become a Directions member when you open this account. Learn More

Health Savings Account (HSA)

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

Money Management Accounts

Designed for members who want higher dividends. Learn More

Certificates

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

Learn More About Savings Accounts And Certificates

Young man with girlfriend, signing up for an account.
Effective 04/01/2017
0.10%
Primary Share Savings

Coins Icon 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
Woman Handing Credit Card to Pharmacist

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
Young couple reviewing their account online.
Effective 07/01/2017
0.23%
Money Management Account**

Safe Icon Money Management Accounts

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

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

Safe Icon Premier Savings Accounts

If your savings account balance is higher than $50,000, transferring that money to a Directions Premier Savings Account could earn you a higher interest rate plus, there’s no monthly fee to maintain the account.

  • Minimum opening deposit: $1,000
  • Minimum balance to receive dividends: $50,000
  • Monthly service fee: $0
  • Dividends compounded: Monthly
Young couple meeting with a financial advisor.
Effective 04/01/2017
0.10%
3 Month Certificate
Effective 04/01/2017
0.15%
6 Month Certificate

Certificate Icon 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
All of Directions Credit Union deposits are insured by the National Credit Union Administration (NCUA). Your money is safe with us.
Visit the NCUA website.

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.

Apply Now

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