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Savings

Share Savings Account

Just a $25.00 deposit entitles you to all the benefits of membership in Trona Valley Community FCU. When opening this account, you actually purchase shares of Trona Valley and become a member-owner. The share savings account offers:

  • Competitive Dividend Rates
  • Dividends Paid Quarterly*
  • Penalty Free Withdrawals
  • Direct Deposit
  • CU Online
  • Choice of Paper or Online Statements
  • 24-Hour Phone Access

* A minimum balance of $150.00 must be maintained to earn stated APY. APY = Annual Percentage Yield


Christmas Club Account*

Our Christmas Club Account is specifically designed to help our members save money for holiday expenses. Dividends are posted to member accounts on October 31 when balances are transferred to Share Savings Account. This account offers:

  • Competitive Dividend Rates
  • Direct Deposit
  • Allows you to save all year long

*No withdrawals may be made on this account unless the account is closed.


Checking

Basic Checking

Our basic checking account has no minimum balance and no fees if you elect to have an ATM/Debit card.

  • No Minimum Balance with an ATM/Debit Card*
  • Choice of Paper or Online Statements
  • FREE Unlimited Check Writing
  • FREE Debit Card with ATM Access
  • FREE 24-hour account access with: 24-Hour Phone Access, CU Online and ATMs
  • FREE Online Bill Pay
  • Direct Deposit
  • Courtesy Pay and Overdraft (w/approved credit)

*Basic Checking Accounts that do not have an ATM/Debit Card are required to have a $500 minimum balance. Accounts that fall below the $500 balance requirement will be charged a monthly service fee of $7.00 for that month.

Premier Checking

This account is Free to members with exceptional credit.

  • FREE ATM/Debit Card
  • FREE Checks and Unlimited Check Writing
  • FREE Cashier's Checks, Money Orders and Traveler's Checks
  • No Monthly Service Charge
  • Choice of Paper or Online Statements
  • FREE 24-hour account access with: 24-Hour Phone Access, CU Online and ATMs
  • FREE Online Bill Pay
  • Direct Deposit
  • Courtesy Pay and Overdraft (w/approved credit)

Dividend Checking

Our Dividend Checking Account allows members to earn a higher dividend rate.

  • Competitive Dividend Rates
  • $1,000 Average Daily Balance*
  • Dividends Paid Monthly*
  • FREE Unlimited Check Writing
  • FREE ATM/Debit Card
  • FREE Cashier's Checks, Money Orders and Traveler's Checks
  • Choice of Paper or Online Statements
  • FREE 24-hour account access with: 24-Hour Phone Access, CU Online and ATMs
  • FREE Online Bill Pay
  • Direct Deposit
  • Courtesy Pay and Overdraft (with approved credit)

*If average daily balance falls below $1,000, an $8.00 service fee applies and no dividends will be paid for the month

Student or Senior (SOS) Checking

Our SOS Checking is FREE to full-time students through age 23 and members' age 60 or better!

  • FREE Checks and Unlimited Check Writing
  • FREE ATM/Debit Card
  • No Minimum Balance Required
  • FREE Cashier's Checks, Money Orders and Traveler's Checks
  • FREE 24-hour account access with: 24-Hour Phone Access, CU Online and ATMs
  • FREE Online Bill Pay
  • Direct Deposit
  • Courtesy Pay and Overdraft (w/approved credit)

Money Market Checking - Tiered rates!

Federally insured accounts (with financial institutions) that pay rates established by the financial institution upon money-market yields. It is invested in short-term securities and earns a higher dividend rate than a Share Savings account. Dividends are paid based on tiered rates that are based on the average daily balance in the account.

  • First tier paid on balances over $2,000 and up to $10,000 (No dividends paid on balances under $2,000)
  • Higher dividends on balances of $10,001 or more
  • Dividends compounded daily and paid monthly
  • Write up to 3 checks each month at no charge

VISA® Debit / Check / ATM Card

Trona Valley offers one card that combines the convenience of ATM access and credit card purchasing power.

  • Funds are automatically deducted from your checking account
  • FREE Unlimited Transactions at any Trona Valley-owned or CO-OP Network ATM including:
    • Balance Inquiries
    • Withdrawals
    • Transfers
    • Deposits
  • Over 25,000 Surcharge-Free ATM locations

Courtesy Pay

As a courtesy to our valued members, we will cover NSF drafts and debit card charges at pre-set limits for a per-item fee of $30. We understand the occasional math error, and therefore offer this program to save you from paying merchant fees. Some restrictions may apply. read more


Basic Premier Div Bearing SoS Account Money Mkt
Earn Dividends No No Yes No Yes
Debit Card Yes Yes Yes Yes No
Overdraft Protection Yes Yes Yes Yes No
Courtesy Pay Yes Yes Yes Yes No
ATM Access Yes Yes Yes Yes Yes
Monthly Srv Charge No* No No* No No*
Direct Deposit Yes Yes Yes Yes No*
Per-item transaction fee No No No No No*
Free Travelers Checks No Yes Yes Yes No
Free Cashier's Checks No Yes Yes Yes No
Dividends on Ave. Daily Bal N/A N/A Yes N/A Yes
*Some Restrictions May Apply

To open a new Checking Account or for more information on any of our Savings or Checking accounts, please contact a Trona Valley Representative at 307-875-9800 or 800-331-6268. If you need to Re-order Checks click here.