Savings & Checking
Savings Account
We know that saving money can be difficult for a lot of different reasons. Our goal is to help you develop the right skills and strategies to meet your goals, while making saving money easy and convenient.
A wise choice for a strong financial future is a savings program where you take a percentage of your income and consistently deposit it into a savings account. This gives you a cushion for emergencies and can also help you reach your longer-term financial goals. We believe that everyone deserves a simple, easy way to save.
With a Ray Federal Credit Union regular savings account, you enjoy:
- Competitive dividends to earn while you save
- Opportunity to use it as overdraft protection
- No monthly service fee
- Easy access to funds
- FREE $1,000 Accidental Death Insurance*
*TruStageTM AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
Free Checking
WHEN WE SAY FREE CHECKING, WE MEAN IT
- No minimum balance or monthly fee
- Safer than carrying cash
- Make purchases anytime, anywhere VISA® is accepted
- More widely accepted than checks
- Use your card to make ATM withdrawals
- Easily replaced if lost or stolen
- Free online banking tools let you pay bills, check balances and transfer funds 24/7
- Free direct deposit gives you fast access to your paycheck
- Free eStatements deliver your account information quickly and securely
Christmas Club
Open your Ray Federal Credit Union Christmas Club today
- Open any time of the year
- Set up automatic deposits from your paycheck to your Christmas Club Account
- Get paid weekly or twice a month? Deposit from every paycheck
- Pays quarterly dividends
Christmas Club funds may be transferred to your regular Savings or Checking Account annually between November 1 and December 31 in time for your holiday shopping. Start saving today so you can have a debt free Christmas.