Proudly Serving Employees of:
Dixie Cup of Fort Smith
Rock-Tenn of Fort Smith
Savings in a credit union are called shares, because by depositing these funds, you, in essence, own a part of the credit union.
You can open your share account by simply making a deposit of $25.00 or more. Each share account is insured to $250,000.00 by an agency of the United States Government.
Dividends
Quarterly dividends are paid on your shares at the end of March, June, September and December of each year. The dividend rate may vary according to the credit union’s net earnings for each quarter. It should be noted that your shares are fluid every three months. They earn dividends for each month if they remain on deposit through the end of the quarter.
Tax Records
Computer printed statements on account will be mailed to each member just after the end of each quarter. These statements will reflect all share and loan transactions in your account during the quarter. The four statements received each year provide a permanent tax record.
Payroll Deductions
You may want to participate in your company’s payroll deduction plan to increase your credit union shares or to repay a loan. Your paycheck stub reflects each deduction which is forwarded to the credit union. All member accounts accurately record share and loan transactions and produces accounting records.
Current Rates
Share Certificates (minimum of $1,000.00)
Term
6 months
12 months
12 months (over $100,000)
3 months ($5,000)
Rate
2.00% / 2.0167% APY
2.75% / 2.7850% APY
5.00% / 5.1163% APY
5.00& / 5.0837% APY
Share Dividends
Amount
$25 – $100
$100 – $500
$500 – $5000
$5,000 +
Christmas Club
I.R.A’s
Rate
Zero
0.05%
0.50%
0.75%
0.05%
0.50%
New Vehicle & Motorcycle
Credit Score
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5
Rate
5.25%
6.25%
8.00%
10.00%
14.00%
Used Vehicle & Motorcycle
Credit Score
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5
Rate
6.00%
7.00%
9.00%
12.00%
17.00%
Signature Loans
Credit Score
Tier 1
Tier 2
Tier 3
Tier 4
Tier 5
Rate
8.00%
10.75%
14.25%
16.25%
17.75%