Home Banking Login    Mobile Banking Login
     

Savings Accounts

Regular Shares
Regular Shares: The easiest way to save!  Statement savings account that earns a competitive APY based on your average daily balance.  Limited to six (6) withdrawals per month and must maintain a minimum balance of $5.00.


Scottie Savers
For our youngest members.  This account is designed for children ages 0-13.  As a Scottie Saver, you will receive quarterly updates, be eligible for contests and prizes, as well as participate in year-round activities and events.  Ask a member service representative for more details!


Smart Start
Designed with young adults in mind.  Eligible for members ages 14-24.  Typically earns a higher yield on most balances than traditional savings accounts while offering the same ease and flexibility of our regular share savings account.  Limited to six (6) withdrawals per month and must maintain a minimum balance of $5.00.


Holiday Savings
The perfect account to help you get a jump start on holiday shopping.  Limited to six (6) withdrawals per month and must maintain a minimum balance of $100.00.


MBA
Just like the name suggests, we offer a competitive and prestigious APY for our members with varying balances.  Limited to six (6) withdrawals per month and must maintain a minimum balance of $50.00.

Certificates of Deposit

Single, various terms in the ranges of 6 months, 1, 2, or 3 years in length.  All certificates are federally insured for at least $100,000.00 per member (up to $250,000.00 for IRA certificates).  Certificates are subject to an early withdrawal penalty equal to 90 days interest on the amount withdrawn.  Minimum balance of $500 required for all certificates.

IRA

Mountain Gem Credit Union offers two instruments for your IRA: an IRA Share account (for those ages 70 ½ and over who are required to take their Minimum Disbursements) and our Certificate of Deposits for all other IRA accounts.  Mountain Gem offers three types of IRA accounts: Traditional, Roth and Coverdell Educational.  We also honor rollovers, re-characterizations, and other transfers. Please speak to a licensed financial consultant (such as a CPA, CFP, etc.) before making your decision.

     
This credit union is federally insured by the National Credit Union Administration.