IECU Savings
Share Savings Account
An Inland Empire Share Savings Account allow the member to earn dividends, while permitting immediate access to funds.
- Low minimum opening deposit of $25.00
- Immediate access to account information by using the Online Banking or Audio Teller
- ATM accessible
- Serves as overdraft protection for Share Checking Accounts
Share Certificates
Our Share Certificate Accounts provide an option for members who wish a higher return on their savings with a longer investment commitment.
- Minimum deposit of $1,000
- Choice of maturity varies per program
- Dividends are paid quarterly
- Certificate accounts are automatically renewable unless otherwise specified by the member
- A statement is generated quarterly for the member's convenience
- Certificate accounts may be pledged for a loan
Money Market Account
Our Money Market Account allows additional opportunity to increase dividends as it offers a higher rate of return.
- The minimum initial deposit and minimum balance required is $1,500
- Provides flexibility for savers who maintain higher balances
- Immediate access to account information by using the Online Banking or Automated Teller
- Generates a monthly statement
- Account is accessible by share check*
*Limited to 3 pre-authorized electronic, automatic, or telephone transfers per month, 3 of which may be by share checks, with a minimum withdrawal of $250
Individual Retirement Account (IRA)
IRA's give members a personal savings plan that gives tax advantages for setting aside money for retirement.
- You may contribute up to $4,000 annually or make a catch up contribution of up to $5,000
- Contributions you make to a traditional IRA may be fully or partially deductible, depending on you circumstances
- Contributions can be made from January 1st through the filing deadline (excluding extensions) for the following year, generally April 15
- Generally, amounts in your IRA (including earnings and gains) are not taxed until distributed
- Also available, Roth and Educational IRA's
- Dividends are earned and credited monthly
- Consult your tax advisor
Christmas Club
Our Christmas Club Account allows the member to save money to use for the holidays. Funds are provided on November 10th, in plenty of time for holiday shopping.
- $5 minimum deposit is needed to open the account
- Contributions may be made through payroll deduction or by automatic share transfer
- Funds can be transferred monthly from any Inland Empire Credit Union account
- Dividends are compounded and paid quarterly
