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Savings & Money Market Accounts

Membership Savings Account
Pay Yourself Savings Account
Money Market Account

Membership Savings Account
Your Membership Savings Account establishes your membership at North County Credit Union. It also establishes your family's eligibility to join. To open this account, you must make an initial deposit of $5 and pay our $5 Lifetime Membership Fee.

Our Membership Savings Account is designed to help you save. It has a tiered dividend rate structure. So, the more you save, the more you earn. Dividends are paid quarterly based on a daily balance of $100 or more. You must keep a minimum balance of $5 in this account.

Use payroll deduction or direct deposit to conveniently build your savings. Enjoy 24-hour access to your account via our ATM card, TeleTeller and Internet Teller services.

This account may also be used as collateral for a Shared Secured Loan and balances over $50 automatically serve as Overdraft Protection for your North County CU Checking Account.

Want to join? Request a Membership Application online, or email or call our Information Center at (858) 487-1880.

Pay Yourself Savings Account
This account was designed to help encourage our members to making it a habit of paying themselves to ensure financial goals are met and an emergency fund is established.

With this account, you'll a receive a short-term certificate rate in return for monthly deposits of $10.00 or more and limited account access of four withdrawals per calendar year. You can set up automatic transfers from another North County Credit Union account, your payroll or just mark on your monthly loan payment that you're sending in additional funds to pay yourself. You'd be surprised how quickly monthly deposits of a nominal amount can add up to something big!

Dividends are paid quarterly based on your daily balance. There is a minimum opening and on-going balance requirement of $10 and you may not exceed a balance of $10,000. If the $10,000 maximum balance is reached your funds will be transferred to your Membership Savings Account held with us. At that time, we will discuss with you other high-rate saving and investment options for your money; and ensure that you continue with your financial habit of paying yourself.

You must make a minimum monthly deposit of $10 or more into this account to avoid closure. Use payroll deduction or direct deposit to conveniently build your savings. Enjoy 24-hour access to your account via our TeleTeller and Internet Teller services. You may also make in-branch transactions. However, withdrawals are limited on the Pay Yourself Savings Account to four per calendar year to ensure you don't tap into your special funds unnecessarily. There is a fee for excessive withdrawals on this account.

Interested? Apply for a Pay Yourself Savings Account online, email or call our Information Center at (858) 487-1880 for an application.

Money Market Account
Our insured Money Market Account is the perfect way to save for a major purchase or investment and offers maximum flexibility. Plus, our rates are competitive with major brokerage firms. Dividends are computed on the daily balance and are paid monthly. This account has a $2,500 opening and on-going balance requirement.

You may write up to three checks per month on this account. Use payroll deduction or direct deposit to conveniently build your account balance. Get 24-hour access to your account via our TeleTeller and Internet Teller services.

Interested? Apply for a Money Market Account online, or email or call our Information Center at (858) 487-1880 for an application.