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Deposit Accounts

Our goal at CTCU is to help you manage your finances simply and efficiently. That’s why we offer a variety of hassle-free checking and savings accounts tailored to meet your unique needs, lifestyle and budget.


CTCU provides checking account options that are flexible and tailored to your needs. You’ll enjoy all of the conveniences that come with being a member! It’s all about choosing the option that best fits you.

Our Checking Accounts Offer These Conveniences:

  • Free Home and Mobile Banking
  • Bill Pay
  • Remote Deposit Capture (deposit checks using your smartphone)
  • Person 2 Person Payments
  • Mastercard® Debit Card
  • MARS (Members Automated Response System)
  • Overdraft Privilege*
  • Courtesy Pay**

Share Savings Account

Your key to CTCU membership! Get started with a $20.00 deposit*** and benefit from:

  • High savings dividends compounded and credited to your account quarterly
  • Account insurance up to $250,000.00 by the National Credit Union Administration (NCUA)
  • Minimum balance of $100.00 is required to begin earning dividends

Student Services

Education isn’t just about reading, writing and arithmetic. Being moneysmart is important to your future, too! At CTCU, we want to give you a head start on financial success with good money habits through our Youth Club and CTCU REAL Checking Account for teens.

Christmas Club Savings Account

Don’t let the holidays sneak up on you! We make it easy to save for the season with our Christmas Club Savings account:

  • Low minimum opening deposit of $20.00
  • Club funds are automatically transferred into your regular Share Savings account on October 31
  • A $10.00 penalty applies for each early withdrawal

Investors Club Account

Our Investors Club account is another great savings option once you have a Share Savings account.

  • Higher dividends than a regular Share Savings account
  • Minimum opening balance of $1,000.00
  • Dividends compounded and credited to your account monthly

Term Share Accounts

We offer multiple term share programs with a minimum deposit of just $1,000.00.

  • Higher dividends than a regular Share Savings account
  • Minimum balance of $1,000.00 is required to open account and earn dividends
  • Fixed interest rate and annual percentage yield for the term of the account
  • Interest credited at maturity

Individual Retirement Accounts (IRAs)

We are all about helping you prepare for the future. Check off your bucket list by planning ahead with a high-yield IRA from CTCU:
  • Traditional
  • Roth

Coverdell Educational Savings Account

Invest in your child’s education. A Coverdell ESA is the perfect tool for saving money to pay for a child’s educational expenses – from kindergarten through college.

*Overdraft Privilege is a link to the savings account to cover sharedraft transactions for a fee per transfer. There are only three automatic overdraft transfers allowed per month.

**Courtesy Pay is a standard overdraft practice that is offered to all member sharedraft accounts in good standing, if authorized by the member. With Courtesy Pay, your check, ATM withdrawal, debit card purchase or other electronic debit items may be covered by the credit union up to the allotted limit. You will be charged the standard NSF fee per item. Fees could reduce the earnings on account. Some exceptions may apply.

***Account transfer limitations do apply.