A savings account establishes your membership while your funds are Federally-insured to at least $250,000 by the NCUA plus POLAM offers excess share insurance, through ASI,  For Consumers (americanshare.com)), that can double the amount of the federal insurance limits. There are no monthly service fees, and as a matter of fact, you even start earning dividends on balances of $100 or more. Here is a calculator to assist you in calculating your insurance coverage through NCUSIF: Share Insurance Coverage | NCUA.

You get free online and mobile access, as well as Zelle when you have a checking account.  Make deposits and withdrawals in person, by mail, through a mobile banking app, Zelle, or at any of the CO-OP’s shared branches throughout the United States.