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Savings Options

Savings Accounts

Piggy Bank

Personal Savings Accounts

Our primary dividend earning account, with a $5.00 minimum balance required. Dividends earned are compounded daily and credited quarterly on all balances of $100.00 or more. We do not service charge balances under $100.00. We do offer the options of direct deposit and ATM access.

With a savings account, all of our other services become available to you. If you live or work in Marion, Crawford, Richland, Hancock, Wyandot or Morrow counties, a one-time $5.00 membership fee, a $5.00 minimum balance, a valid picture ID (required if 18 or older) and Social Security card (required for all applicants) is all that is necessary to join. Stop by our office for complete information and a copy of our Truth-In-Savings disclosure.

Regular Share / Savings

Name Dividend Rate APY**
Balance $100 & up 0.050% 0.050%



Kid & Teen Club Accounts

Kids can learn about the importance of saving (and earning dividends) from an early age with our Kid and Teen Club accounts. Once a child has joined the credit union (with their one-time $5.00 membership fee and $5.00 minimum balance in their standard savings account), they can open a Kid or Teen Club account for just a $5.00 initial deposit.

So what makes this different than their regular savings account? This account earns dividends without the need for a $100.00 minimum balance. It's an easy way to teach them about setting money aside for the future and help build healthy money habits. Call or stop by one of our branches for details.

Kid & Teen Club Savings

Name Dividend Rate APY**
Balance $5 & up .050% .050%


  Bar Chart

Savings Rates

For a complete listing of our Savings Rates, visit our rates page.

Money Growing


Standard Certificates

Our certificates are available to all members and prove a smart solution for long-term money management. Dividends are compounded daily and applied quarterly. Rates, terms and minimum balances vary. A penalty will or may be imposed for early withdrawal.

Youth Certificates

Made to provide greater savings for youth - at a level they are capable of. Each CD is a minimum of $500. The youth must be the primary account holder and 18 years of age or younger. Check our rates page for the current interest rate.


Share Certificates & IRA Certificates - Specials***

Name Dividend Rate APY**
36 Months Certificate - Minimum $1000 0.499% 0.500%
***Certificates are subject to early withdrawal penalty of 90 - 270 days dividends. Based on term


Share Certificates & IRA Certificates***

Name Dividend Rate APY**
12 - 23 Months Certificate - Min. $500 0.300% 0.300%
24 - 35 Months Certificate - Min. $500 0.350% 0.350%
36 - 47 Months Certificate - Min. $500 0.350% 0.350%
48 - 59 Months Certificate - Min. $500 0.599% 0.600%
60 Months Certificate - Min. $500 0.748% 0.750%
***Certificates are subject to early withdrawal penalty of 90 - 270 days dividends. Based on term


Name Dividend Rate APY**
Roth IRA Share - Min. $50 .250% .250%
Traditional IRA Share - Min. $50 .250% .250%


Christmas stocking

Christmas Club Savings

We offer a Christmas Club so that you can set aside money to be used for gift purchase and other holiday expenditures. You may join any time during the year and at mid-October have money ready to help you through the holidays. The Christmas Club money earns dividends all year long. A $5 minimum deposit is required to start your Christmas Club for the year.

How much money could you save? Calculate your Christmas Club savings here:



Sun and water

Vacation Club Savings

Our vacation club earns dividends from dollar one and feature year-long access. A $5.00 minimum balance must be maintained. Saving for that special trip has never been easier, so open a vacation club today.

Club Accounts

Name Dividend Rate APY**
Christmas Club - Balance $5 & up .050% .050%
Organizational Shares - Balance $100 & up .050% .050%
Vacation Club - Balance $5 & up .050% .050%



Health Savings Accounts

A Health Savings Account gives you the best of both worlds. An HSA helps you get a handle on rising health care costs and provides a tax-advantaged way to save.

As long as you don’t go over the limits that apply to your type of insurance coverage, you can contribute as much as you want, as often as you want throughout the year until your tax return due date (generally April 15 of the following year). In fact, anyone can contribute for you, even your employer.

Health Savings Accounts

Name Dividend Rate APY**
HSAs - Balance $1,000 & up .250% .250%




IRAs (Individual Retirement Accounts)

IRAs are an excellent option for any retirement plan. With more options every year, do your research carefully. Browse your options by picking from the list below.


Traditional IRA

Individual Retirement Accounts are a great way to save for your golden years. A low $50 balance is required at time of opening and no custodial fees of any kind are assessed. The maximum IRA contribution for 2020 and 2021 is $6,000 per year. Make sure you check with your tax advisor to see if your contribution qualifies as an eligible tax deduction.

After age 59 1/2 withdrawals can be made without penalty. Catch-Up Contributions can be made by workers 50 and older. You may contribute an additional $1,000 a year. To make your IRA money grow faster, you may wish to invest your IRA money in one of our IRA CDs.


Roth IRA

Roth IRAs are different from Traditional IRAs in the fact that contributions are already taxed funds, but all withdrawals including earnings are tax-free if the account has been open for at least 5 years and the account holder is 59 1/2 or older. All other contribution, limits, regulations and penalties are identical to a traditional IRA.

Maximum contribution: $6,000. Do not forget if you are a worker age 50 or older, you may be eligible for Catch-Up Contributions up to $1,000 a year.


Educational IRA

Educational IRAs are different from Traditional IRAs in the fact that contributions are already taxed funds, but all withdrawals including earnings are tax-free. An Education IRA is a trust account you set up for a designated beneficiary (Any child under the age of 18). Up to $2,000 per year may be deposited tax-free until the age of 18. Other restrictions may apply. Contact our credit union for details.

Retirement Plan Rollovers

Perhaps you’ve changed jobs, recently retired, or just want more control over your money. Rolling over retirement plan assets to another retirement plan or an IRA will not only preserve your tax benefits, but possibly provide you with additional benefits.



Insured by NCUA

NCUA logoYour deposits are safe and guaranteed by the federal government. Deposits at Pillar Credit Union are insured by the National Credit Union Administration. The NCUA is a federal government agency that operates and manages the National Credit Union Share Insurance Fund. The NCUSIF provides federal insurance on credit union deposits, backed by the full faith and credit of the United States Government. Your savings accounts are insured to at least $250,000 and Individual Retirement Accounts are insured up to $250,000.

More information about the NCUA and the NCUSIF is available at


*All Depository Accounts: Fees can reduce the earnings.

      Interest Rates Certified by Datatrac