Save money while spending money – what?
Emery members with a checking account can open a Round Up and Save account that helps you grow your savings automatically!
Save money every time you use your Emery Federal Credit Union debit card to make a purchase or pay a bill. With each transaction, Emery rounds up the amount spent to the nearest dollar amount and transfers that amount to your Round Up and Save account at the end of each day.
An Individual Retirement Account (IRA) allows you to save money for use in retirement while allowing the savings to grow tax-deferred, even without an employer-sponsored pension plan. Anyone with earned compensation or anyone who files jointly on a tax return with someone who earns compensation is eligible to make contributions.
A Roth IRA allows you to deposit after-tax dollars today, then accumulate interest and take withdrawals tax-free. Qualifying Roth IRA withdrawals may be deposited into your regular savings, certificate accounts or other deposit accounts.
*Consult your tax advisor
Financial needs can change as we mature, so Emery offers an account to fit those changing needs. Prime 50 members must be at least 50 years of age and have $2,000 in a savings account, $2,000 in a certificate of deposit, or an active checking account with direct deposit at the Credit Union.
If you find yourself still paying for gifts from years gone by, consider opening a Holiday Club account today. By opening a Holiday Club account and making regular deposits throughout the year, you can develop a significant amount in saving and pay cash next year!
For instance, you could see the following results:
Earn more while maintaining access to your funds! With an Emery Money Market account, rates are paid on a tiered system; the more money you save, the higher dividend you will earn.
Emery Credit Union Certificate Accounts are low-risk, high-earning investments featuring competitive rates and a choice of terms. Terms range from 6 months to 5 years. Certificate accounts can be used as collateral for loans as well.
With an Emery Health Savings Account (HSA), you can save and pay for medical and health expenses with pre-tax dollars.
Our Health Savings Account (HSA) was created in response to the growing needs of our Members with High Deductible Health Plans (HDHP). If you have a HDHP, sign up for an Emery HSA Account and let us help you navigate the continual changes in the health care industry.
Emery HSA Account Details:
Government regulated HSA account details may change on an annual basis. Visit the United States Department of the Treasury for details and program guidelines. Your funds are federally insured up to $250,000 by NCUA. Rates subject to change.
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