- $300 Minimum Balance
- 0.10% APY* Dividend Rate
- Free Checks for Members 55 and over
- Free Home Banking
- Free Bill Pay
- MasterCard® Debit Card
- Overdraft Privilege**
- Courtesy Pay***
Are you interested in opening a Premium Checking Account? CTCU membership starts by opening a regular share savings account with a minimum initial deposit of $20. Once you're a member, you have the option of opening other accounts, applying for loans, and taking advantage of all the other benefits of being a member of CTCU! If you have questions or need to know which forms of ID are needed for account opening, please call us at (903) 561-2603 or email us at email@example.com.
$8.00 service charge if at any time during the statement cycle the balance falls below $300. Service charge will be applied on the last day of the statement cycle.
*APY = Annual Percentage Yield. Federally insured by the NCUA
**Overdraft Privilege is a link to the savings account to cover sharedraft transactions for a fee of $8.00 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 share draft 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 limit of $200.00. you will be charged the standard NSF fee of $30.00 per item. When an overdraft occurs on your account, you will be expected to deposit adequate funds to your account to a positive balance within 30 days. Fees could reduce the earnings on account. Some exceptions may apply.
Start Investing in your Retirement Now.
CTCU offers three types of IRAs for you to choose from.Open an IRA Account Today