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We know that you have many choices when it comes to where you save your money. Our numerous deposit accounts give you the flexibility to choose an account that best fits your need for growth and convenience. Remember that all of your accounts at Decatur Earthmover are insured up to $250,000 each by the NCUA through the National Credit Union Share Insurance Fund and an additonal $250,000 by American Share Insurance's Excess Share Insurance. We believe in the safety of your money as much as you.
Regular Shares (Savings)
Your regular share account is the cornerstone of your Earthmover membership. Earthmover requires that each member keep at least $25 in their regular shares to maintain their credit union membership regardless of how much you have in other Earthmover accounts. Your regular share account is your cushion of short-term savings.
You can earn a higher dividend rate in other types of share accounts, but you can't access your money as easily. Withdrawals can be made from your regular share account at the teller window or at an ATM.
If you happen to overdraw your Earthmover checking account, money will automatically be transferred in $100 increments from your regular share account to your checking account to cover the check. You can make deposits to your share account in person, by mail, or through direct deposit or payroll deduction. Once you have saved enough in your regular share account to cover your upcoming expenses and a few unexpected expenses, you may want to explore some of our other types of savings accounts such as Share Certificates, Vacation Club, Christmas Club, Golden E Club Account, Money Market, and Individual Retirement Accounts (IRAs).
APR: 0.05% APY: 0.05%
A Free Earthmover checking account saves you time, saves you money, and saves you space. You can access your Earthmover checking account with a Free ATM/Debit card, Free online with our DECU@Home online banking service, online through BillPay@Home (which is Free when you sign up for Free eStatements), and in person at any of our four locations.
Of course, you can also access your checking account with checks which cost as little as $18.00 for a box of 150 duplicate checks. With duplicate checks you do not get your original cancelled checks returned to you each month with your statement. Instead, you can see a copy of your checks that have cleared through DECU@Home. Quick, convenient, paperless, and free eStatments are also available on our checking accounts.
APR: 0.03% APY: 0.03%
Have you accumulated some long-term savings? Deposit it in a share certificate of your choice. We offer certificates with minimum balances of $500, $10,000, and $25,000 all with terms available for six months, one year, eighteen months, two years, three years, or five years.
No deposits or withdrawals are allowed with a share certificate. All Earthmover share certificates are insured up to $500,000 by American Share-Excess Share insurance and will receive a guaranteed rate of return.
To receive the highest yield, your dividends can be paid monthly and reinvested in the certificate. You may, however, choose have your dividends mailed to you monthly, paid at maturity, or many other combinations that best fit your situation. The early withdrawal penalty for a share certificate is three months of dividends but will not cause you to lose your initial deposit.
Like to keep savings for different purposes separate? An Earthmover Vacation Club earns a little more than regular shares and allows you to make deposits whenever you like and up to four withdrawals per calendar year.
Use your Vacation Club to earmark savings for a couple of weekend getaways, a family vacation, your two real estate tax installments, etc.
APR: 0.06% APY: 0.06%
Christmas comes at the same time each year, and yet it can still catch you off guard financially if you don't plan for it. Be ready for Christmas with an Earthmover Christmas Club.
Make deposits throughout the year, and on or around November first each year we will mail you a check for the balance in your Christmas Club account including your dividends. The account will start over with your next deposit. No withdrawals are allowed from Christmas Club.
APR: 0.06% APY: 0.06%
Golden E Club Account
Members age 50 and above that have joined Earthmover's Golden E Club can also open a Golden E Club Account. Your Golden E Club Account will earn a higher dividend rate than regular shares.
$1,000 is the minimum initial contribution to the account, and $50,000 is the maximum contribution balance.
APR: 0.10% APY: 0.10%
Save for larger expenses at a rate closer to a share certificate without tying up your savings for a set amount of time. A Money Market account lets you write up to three checks per month with a minimum of $250 per check.
Use it to pay tuition, purchase airline tickets, buy a furnace, etc. The initial deposit to open a Money Market is $1,000 and the minimum balance is $1,000. Your first order of 25 checks is free.
Money market rates are tiered, so the more you have on deposit the more you will earn.
APR: 0.15% APY: 0.15%
Individual Retirement Accounts (IRA)
Start saving now to supplement your Social Security income during your retirement years with an IRA. Earthmover IRAs are insured to $500,000 by American Share-Excess Share Insurance and will receive a guaranteed rate of return.
Earthmover offers traditional IRAs as well as Roth IRAs and Coverdell Education IRAs.
APR: 0.20% APY: 0.20%