Savings Accounts

Become a Member TODAY!  Fill out this application and bring it in to either office.

Regular Savings Accounts

Millstream Area Credit Union is a financial co-operative. Our members each have a share in the credit union, they’re member owners. The initial $5.00 deposit to the account is called the par value. Par Value is each person’s “stake” in the Credit Union’s success. Regular Share savings accounts were designed to help people save and budget their financial futures. These accounts have been utilized for many different reasons depending on the member.

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Features:

  • ATM Access
  • 24/7 Account Access via Phone
  • Allows automatic payments from Merchants
  • Allows automatic repayment of Millstream Loans
  • Statements sent quarterly
  • Provides eligibility for other services and programs
  • Optional checking overdraft account
  • Online Banking Services

Payment Savings Accounts

This is another type of savings account that is meant to keep funds for certain payments separate from funds the member would consider available. This alleviates the problem of spending your bill money by accident. These accounts have the capability to have automatic withdraws, and direct deposit or direct deposit distributions. One of the most convenient uses for the payment share is to have automatic payments for your loans or credit card payment here at the Credit Union. When you set up direct deposit and have funds distributed to your payment share, upon request, we can have your loan/credit card payments (to Millstream Area Credit Union) automatically debited from this account without any hassle. Stop waiting for the end of the month, writing checks, stressing over making it in to pay on time; get an account that is perfectly tailored to you and your financial needs.

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Special Savings Accounts

Special Savings Accounts were designed to give each member the flexibility to save as they wish. This account has been used for many different reasons; some people use the account to save for tax season, others use the account for school season, save for weddings or parties or individual needs as they see fit. The special savings account works along the same lines as the Regular Savings Account

If you have a special occasion coming up make sure you start saving the special way!

* You can personalize the account name through Internet Banking.

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Senior Share Savings Accounts

Millstream Area Credit Union recognizes that youth is the future of the Credit Union; however, our seniors are our present! We’ve got a savings account to honor those loyal seniors who’ve stuck with us all these years!

  • Members must be 62 year of age or above and are required to deposit and maintain the $5.00 par value balance at all times.
  • Interest is earned when there is an average daily balance of $500.00 or more.
  • The primary member has voting rights and the ability to access all services of the Credit Union independently.
  • ATM cards come standard, as with all savings accounts.
  • Qualifies member for discounted movie tickets, discounted amusement park tickets, stamps, VISA pre-paid gift cards, cashier’s checks, money orders, notary services, etc.
  • These accounts have 24 hour access through MARS (Millstream Audio Response System), and Internet Banking.
  • All Millstream Area Credit Union accounts are eligible for electronic funds transfers from merchants for convenient bill paying.

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Learn More About Direct Deposit!

U.S. Patriot Act Notice:
In accordance with the U.S. Patriot Act, Federal Law requires all financial institutions to obtain, verify and record information that identifies each individual or entity opening an account.

What this means to our members:  When you open an account, you will be asked for your name, address, social security number, or tax identification number, date of birth, if applicable, and other information that will allow the Credit Union to identify you.  You will also be asked to furnish your driver’s license or other identifying documents.  We are required to follow this procedure each time an account is opened, even if you are a current member of the Credit Union.

Electronic Funds Agreement and Disclosure