To become a member of United Local you are required to open and maintain a regular savings account with a minimum deposit of $5.00. This makes you eligible for the many other benefits and services provided by United Local Credit Union.

Interest paid on regular savings is dependent upon your average monthly balance and is paid quarterly.

Want to plan ahead for the holidays? You can open up a Christmas Club account with just $1.00 and deposit to it weekly or monthly, and it will be there for you just in time for holiday shopping. Dividends are paid annually through October 31st and the funds are automatically deposited to your Personal Savings Account the first week in November.

ESA is an investment vehicle designed to help parents fund their child's education. The ESA has replaced the Education IRA. Contributions to the account are taxed, but earnings used to pay education expenses are not. Maximum annual deposit is $2,000 and the entire account has to be disbursed before the beneficiary's 30th birthday, and any withdrawals after this date or for expenses that do not qualify under the act will be subject to income taxes and a penalty.