Banking Accounts to Meet Your Needs

Share Savings Accounts

The Share Savings Account is the cornerstone of your membership at Two Rivers FCU. It establishes you as a member-owner and gives you access to all of our financial services. Perfect for starting your savings journey or setting funds aside for future goals.

• Low Minimum Balance: Start saving with as little as $5.
• Competitive Dividends: Watch your savings grow with our rewarding rates.
• Easy Access: Manage your savings anytime through online banking, our mobile app, or in-person.
• Member Ownership: Gain access to all of our financial products and services as a valued member.

Who Is It For?

Anyone looking to start saving or build an emergency fund with secure and reliable access to their money.

Checking Accounts

Our Checking Accounts are designed to make managing your daily finances easy and affordable. With low fees and convenient access, you’ll have everything you need to keep your finances on track.

• Low Fees: Enjoy a checking account with a minimum starting amount of $25 (covering your $15 debit card fee) and no hidden fees.
• Convenient Access: Use your debit card, online banking, or mobile app to access your money anytime, anywhere. Debit card can also be added to Apple, Samsung, Google, and Android digital wallets.
• Free eStatements: Go paperless and securely manage your account online.
• Personalized Service: Work with a local team that knows you and your financial needs.

Who Is It For?

Members looking for a reliable and affordable way to manage their day-to-day finances.

Share Certificates

If you want to earn more on your savings, a Share Certificate is a great choice. With guaranteed rates over a fixed term, you’ll enjoy steady growth while keeping your money safe and secure.

• Competitive Rates: Earn higher dividends than a traditional savings account.
• Flexible Terms: Choose terms ranging from 6 to 18 months to fit your needs.
• Guaranteed Growth: Lock in your rate and watch your savings grow without market fluctuations.
• Safe Investment: NCUA-insured for up to $250,000, offering peace of mind.

Who Is It For?

Members looking for a low-risk savings option to earn more while planning for short- or long-term financial goals.

Christmas Club Accounts

Planning for holiday expenses has never been easier. Our Christmas Club Account helps you save throughout the year, so when the holidays arrive, you’ll be financially prepared to celebrate without worry.

• No Minimum Balance: Start saving for the holidays with any amount.
• Earn Dividends: Grow your savings throughout the year with competitive rates.
• Automatic Payout: Funds become available in November—just in time for holiday shopping.
• Hassle-Free Saving: Set up automatic transfers to effortlessly grow your balance.

Who Is It For?

Anyone who wants to plan ahead for holiday expenses, gifts, and celebrations without straining their budget.

Summer Club Accounts

Whether you’re planning a family vacation, managing seasonal expenses, or preparing for back-to-school costs, our Summer Club Account makes saving simple and rewarding.

• No Minimum Balance: Start saving at your pace.
• Earn Dividends: Grow your savings while you plan for summer.
• Easy Access: Funds are available when you need them most.
• Stress-Free Planning: Set aside money throughout the year for summer goals.

Who Is It For?

Families, students, or anyone looking to plan ahead for summer expenses like vacations, travel, or seasonal bills.