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Savings & Checking

IntegrUS offers a variety of savings and checking accounts to its members. View current rates and decide which plans fit your needs.

Products

Savings

When you join IntegrUS Credit Union, you establish a savings account that is called a “share savings account.” The $5 or more you deposit into your share savings account represents your share of ownership in IntegrUS. You’ll earn interest on your savings above $25. Plus, It is reassuring to know that the National Credit Union Administration (NCUA) federally insures for your deposits up to $250,000.

Once your share account is opened, you can take advantage of all the other products and services IntegrUS Credit Union offers, including these other savings products:

Share Savings Account Rates

TierRateAPY*Minimum to OpenDividend Compounded
$25.00 TO $9,999.990.15%0.15%$5.00Quarterly
$10,000.00 to $24,999.990.25%0.25%$5.00Quarterly
$25,000.00 + 0.35%0.35%$5.00Quarterly
Effective March 31, 2016
* Annual Percentage Yield

Become a Member

Personal Checking Accounts

The benefits of IntegrUS checking accounts:

Share Draft (Checking) Rates

Account TypeTierRateAPY*Minimum to OpenDividend Compounded
Value Checking0.00%0.00%$0.00N/A
Value Plus CheckingQualified $0-$5,0000.25%0.25%$100.00Monthly
Value Plus CheckingQualified $5000-$25,0001.50%1.51%$100.00Monthly
Value Plus CheckingQualified Over $25,0000.15%0.15%$100.00Monthly
Value Plus CheckingNon-Qualifying 0.05%0.05%$100.00Monthly
Enterprise Checking (Business & Organizations)0.00%0.00%$100.00N/A
Home Construction Checking0.00%0.00%$0.00N/A
Legacy Checking (Closed to New Accounts 11/01/2015)$0 to $4,999.990.05%0.05%$25.00Quarterly
Legacy Checking (Closed to New Accounts 11/01/2015)$5,000.00 to $24,999.990.05%0.05%$25.00Quarterly
Legacy Checking (Closed to New Accounts 11/01/2015)Over $25,000.000.05%0.05%$25.00Quarterly
* Annual Percentage Yield
Rates are subject to change at anytime without notice.

Create a Personal Checking Account

Coopera Flyer eng

IntegrUS Coopera Prepaid Reloadable Visa® Card

Less Fees
Less Hassle
Less Risk
ACCOUNT MAINTENANCE
$2.95 per month
Fee is waived with a card load of $25.00 or more each month. Fee is assessed in the second month after card is activated.
ATM WITHDRAWAL U.S. — $1.00 per transaction
One FREE U.S. ATM withdrawal per calendar month.
ATM BALANCE INQUIRY — $1.00 per transaction
ATM DECLINE U.S. — $1.50 per transaction
Assessed if decline reason is “insufficient funds” and/or “expired card”.
PHONE INQUIRY – OPERATOR ASSISTED — $1.50 per inquiry
PHONE INQUIRY – AUTOMATED — FREE
LOADING CASH & ACH TRANSFERS — FREE
You can add cash to your card at the financial institution where you purchased the card or online at www.cooperacard.com.
ACCOUNT TO ACCOUNT TRANSFER — FREE
No cost to transfer money from your Coopera Card to another Coopera Card.
MERCHANT RELOAD NETWORK — Visa ReadyLink - The merchant may charge an additional fee for this service. Any fee charged by the merchant on a ReadyLink load is an independent fee assessed by the merchant.
ATM WITHDRAWAL INTERNATIONAL — $2.00 per transaction
ATM BALANCE INQUIRY INTERNATIONAL — $1.00 per transaction
ATM DECLINE INTERNATIONAL — $5.00 per transaction
Assessed if decline reason is “insufficient funds” and/or “expired card”.
FOREIGN EXCHANGE PROCESSING — 1% of the transaction amount
PIN CHANGE — $0.25 per change
CASH ADVANCE — $2.00 per transaction
UNLOAD VALUE — $10.00 per transaction
PAPER STATEMENT — $1.00 per statement
LOST/STOLEN CARD REPLACEMENT — $15.00 per replacement
SECONDARY CARD — $10.00 per card
Two cards can access the same account by adding a secondary card.
RUSH CARD – OVERNIGHT SHIPPING — $25.00 per incident
All online transactions (excluding unloads and PIN changes) are FREE at www.CooperaCard.com

Learn More

Sub-Share Savings

Sub-Share Savings Accounts are accounts you can set up under your main share savings accounts if you would like to keep your savings dollars in separate accounts. It is an easy way to track important life events like saving for the holidays or vacations.

Share Savings Account Rates

TierRateAPY*Minimum to OpenDividend Compounded
$25.00 TO $9,999.990.15%0.15%$5.00Quarterly
$10,000.00 to $24,999.990.25%0.25%$5.00Quarterly
$25,000.00 + 0.35%0.35%$5.00Quarterly
Effective March 31, 2016
* Annual Percentage Yield

Create a Sub-Share Savings Account

Christmas Club Accounts

Start your Christmas Club Account with any amount, then have funds automatically deposited or transferred, or make deposits weekly, monthly, or semi-monthly. Dividends are paid quarterly and included in your payout amount. Christmas Club Accounts may be opened on or after November 1 for the following year. On October 31, the balance will be deposited into your share savings account. Any Direct Deposits or automatic transfers will continue unless stopped by you.

Club Accounts

TierRateAPY*Minimum to OpenDividend Compounded
Over $25.000.50%0.50%$5Annually
* Annual Percentage Yield
Rates are subject to change at anytime without notice.

Open a Christmas Club Account

Vacation Club Accounts

Just like the Christmas Club Account, you can start your Vacation Club Account with any amount, then have funds automatically deposited or transferred, or make deposits weekly, monthly, or semi-monthly. Dividends are paid quarterly and included in your payout amount. Vacation Club accounts may be opened on or after June 1 for the following year. On May 31, the balance will be deposited into your share savings account. Any Direct Deposits or automatic transfers will continue unless stopped by you.

Club Accounts

TierRateAPY*Minimum to OpenDividend Compounded
Over $25.000.50%0.50%$5Annually
* Annual Percentage Yield
Rates are subject to change at anytime without notice.

Open a Vacation club account

Youth Accounts

IntegrUS Credit Union offers opportunities for youth to learn good savings habits and ways to prepare for their financial future.

The Kirby Kangaroo Club is designed for young savers 12 years and younger and CU Succeed is open to youth ages 13-18 years of age.

Open a new youth membership

Individual Retirement Accounts (IRA)

Opening an Individual Retirement Account (IRA) can provide financial security during your retirement – and may save you tax dollars today. You may invest in an IRA share account or in a variety of special Share Certificates.

Traditional IRAs are beneficial from a tax savings standpoint, as your contributions may be tax deductible. Qualifying persons are under the age of 70 1/2 having earned compensation (wages, salaries, tips, bonuses, or any other amount received from performing duties) during the year that they want to contribute and/or must be filing a joint income tax return with a spouse who has earned income compensation during the year are eligible for a Traditional IRA.

Roth IRA contributions are not tax deductible, but earnings grow tax-free. This type of IRA is more flexible in that earnings can be withdrawn penalty free under certain circumstances.

Additional IRA Information

Exploring Your IRA Options.
Growing Your Savings.
Rolling Your Way to a Better Retirement.
Moving into a Roth IRA.
Taking a Closer Look at Roth Eligibility.

IRA Savings Accounts (Traditional, Roth, Coverdell Educational)

TierRateAPY*Minimum to OpenDividend Compounded
$0 to $4,999.990.95%0.96%$5Quarterly
$5,000.00 to $24,999.991.10%1.11%
$25,000.00 to $99,999.991.25%1.26%
Over $100,0001.35%1.36%
* Annual Percentage Yield
Rates are subject to change at anytime without notice.

Open an Individual Retirement Account

Coverdell Education Savings Accounts

Coverdell Education Savings Accounts allow you to save for your child’s future educational needs. The amount deposited is not tax deductible, but earnings grow tax-free. There are no taxes or penalties on withdrawals when used to pay for qualified educational expenses. You may invest in a share account or in a variety of special Share Certificates.

IRA Savings Accounts (Traditional, Roth, Coverdell Educational)

TierRateAPY*Minimum to OpenDividend Compounded
$0 to $4,999.990.95%0.96%$5Quarterly
$5,000.00 to $24,999.991.10%1.11%
$25,000.00 to $99,999.991.25%1.26%
Over $100,0001.35%1.36%
* Annual Percentage Yield
Rates are subject to change at anytime without notice.

Open a Coverdell Education Savings Account

Money Market Savings

For those savers wanting a higher rate of return than our share savings accounts, but don’t want to have their money tied up in a Share Certificate, you should consider our Money Market Savings. Our Money Market Savings features competitive market rates with the safety and security of an insured credit union account.

Money Market Savings Accounts require a minimum balance of $5,000 and you are limited to 4 withdrawals a month without penalty. Our Money Market Savings accounts have a tiered rate plan, so the more you save, the more you earn!

Money Market Savings Accounts Rates

TierRateAPY*Minimum to OpenDividend Compounded
$5,000.00 to $9,999.990.30%0.30%$5000Monthly
$10,000.00 to $24,999.990.35%0.35%
$25,000.00 to $99,999.990.45%0.45%
$100,000 to $199,999.990.50%0.50%
Over $200,0000.50%0.50%
* Annual Percentage Yield
Rates are subject to change at anytime without notice.

Open a Money Market Savings Account

Share Certificate Rates

Regular Certificates

Certificate TypeMinimum DepositRateAPY*Dividend Compounded
6 Month$10000.55%0.55%Quarterly
12 Month$10000.65%0.65%Quarterly
18 Month$10000.95%0.95%Quarterly

Youth Certificates

Certificate TypeMinimum DepositRateAPY*Dividend Compounded
6 Month$5000.55%0.55%Quarterly
12 Month$5000.65%0.65%Quarterly
18 Month$5000.95%0.95%Quarterly

Special Certificates

Certificate TypeMinimum DepositRateAPY*Dividend Compounded
12 Month Special$25,0001.15%1.16%Quarterly
15 Month Special$10,0001.20%1.21%Quarterly
30 Month Special$10,0001.60%1.61%Quarterly