Regular Share Accounts A share account is the account you open when you join the credit union. Your initial $25.00 deposit establishes your membership and makes you part owner of the credit union. Share accounts pay dividends on all balances over $100.00, which are compounded and paid monthly.

Money Market Requires a minimum balance of $5,000 to open. Daily dividends paid on balances over $5,000 and rates are tiered for balances over $10,000.

Preferred Money Market Requires a minimum balance of $25,000 to open. Daily dividends paid on balances over $25,000 and rates are tiered for balances over $50,000 and $100,000.

Vacation Club Account Plan ahead with a Vacation Club Account and start to build a vacation fund gradually.  Dividends are paid on all balances over $100.00, which are compounded and paid monthly.

Christmas Club Account Start saving at any time of the year to prepare for the Holiday season. The credit union will issue either a check or transfer to your savings account on November 1st to help with shopping expenses. Dividends are paid on all balances over $100.00, which are compounded and paid monthly.

Share Certificates We offer both Regular and Premium Certificates. Premium Certificates have a minimum balance requirement of $ 5,000.00, and earn a higher rate than regular certificates. Terms of 3, 6, 12, 24, and 36 months are some of our offerings.  All dividends are compounded and paid quarterly.

Evergreen Certificates   This special group of Certificates allow unlimited deposits to the certificate throughout the term of the certificate.  Available terms are 6, 18 and 30 months.  The minimum amount to open is $100.

IRA Accounts FOCUS Credit Union offers a full compliment of IRA products to help you plan for retirement. Traditional, Roth, and Educational IRA Accounts are available in both Savings Accounts and Certificate Accounts.