Our regular share (passbook) account is the primary account which establishes membership in the credit union. As long as you maintain the minimum balance of $5 in your savings account you are a member. In order to open a regular savings account we ask that you deposit $6. This includes a one-time membership fee of $1 and an initial deposit requirement of $5. The $5 deposit normally will be returned if you close your account. There are no monthly service charges or withdrawal fees. The account can be accessed with an ATM or Debit/Check card and dividends are paid quarterly on balances greater than $500.