Establish your membership with a Share Savings Account. Simply maintain the minimum balance of $25 in your Share Savings Account, and you will be eligible to take advantage of all our services, even if you change employers or if you move.  Minimum opening balance: $25 The $25 represents a member's share in the credit union and is returned to the member when the account is closed. Monthly service charge: None Balance to earn dividends: $25 Withdrawal fee: Two free withdrawals each month. A $5 fee is assessed for every subsequent withdrawal each month. Dividend rates: Refer to you Rate Schedule for current rates. The Board of Directors sets the dividend rate each quarter. Dividends are paid quarterly and are calculated on an average daily balance.