Earn a dividend with a minimum of $2,500 deposit while being able to write a check at any time.  The more you save the more you earn.  There are no monthly fees if your balance falls below the initial minimum deposit of $2,500, and you can write up to 6 checks per month.   Your funds are insured to at least $250,000 by the National Credit Union Administration: NCUA Share Insurance Coverage Overview Poster (mycreditunion.gov).