Savings Solutions

MariSol FCU offers a variety of savings solutions with

High dividend rates
Low fees and no monthly service charges
Free 24-hour telephone access and free online access through Flex Teller
6 withdrawals or transfers per month, in person, by mail, or by telephone at no charge
Deposits are insured to $100,000 by the NCUA.

Regular Savings

Our most basic account that represents your membership shares in MariSol. Minimum balance required is $25.00. Automatic transfers, direct deposit and payroll deduction make building your account easy. ATM card access is available.

Club Savings Account – Vacation or Christmas Club

Savings accounts designed to save for a special event – a Vacation or Christmas. There is no minimum balance required. This account earns a higher dividend than regular savings. Automatic transfers, direct deposit and payroll deduction make building your account easy. Account funds can be accessed at any time during the year- one free withdrawal per year without charge.

Health Savings Accounts

Take advantage of a health care plan that combines cost savings with flexibility. A Health Savings Account (HSA) empowers you to make your own health care decisions by allowing you to save Pre-Tax dollars to pay for future Medical expenses. Your savings contributions and earnings are allowed to carry over from year to year and your distributions are tax-free if used for qualified medical expenses. All this is allowed in conjunction with a high-deductible health plan which offers the advantage of lower premiums. Contact your Credit Union to get a healthy start on your plan today.

Money Market Savings

Account designed for the committed saver wanting a higher rate of return. This product offers:

- Money Market earnings – consistently among the highest insured rates

- Free starter pack of 20 checks.

- Immediate access to your funds in person or by phone

- Low minimum balance of $1,000.00

- No fees as long as the minimum balance is maintained. There is a low $10.00 fee if the balance falls below the minimum.

- Automatic transfers, direct deposit and payroll deduction make building your account easy.

Share Certificates (Timed Deposits)

A secure way to invest for a specific term while achieving a greater rate of return on your savings. This product offers:

- Our HIGHEST earning deposit account – competitive insured rates!

- Select your term from 6 months to 5 years. Rate depends on the term.

- Low minimum deposit of $500.00

Individual Retirement Account (IRA)

MariSol FCU offers a variety of tax-advantage savings plans for members who want to put money aside for retirement. All are insured for up to $250,000 separately from other MariSol accounts, by NCUA.

Invest in an IRA savings plan that meets your individual needs. We offer IRA accounts in both a regular savings account and in share certificates. Share certificates are available in terms from 6 months to 5 years. Rate is dependent upon term.

Type	Tax Advantages
Roth IRA	Tax free earnings
Traditional	Tax deferred earnings
Education	Tax free earnings

Consult your tax advisor about IRA eligibility, contributions qualifications, and early withdrawal penalties. Maintenance and closure/transfer fees may apply.

Additional terms may apply. Please contact a
Member Services Representative with any questions,
or for information regarding The Truth-In-Savings Act at (602) 252-6831.