Savings

Share Account

PARDA Federal Credit Union's Share Savings account is the base account for every member. This account serves as a basic savings account, providing dividends that are calculated on your average daily balance and paid monthly. A twenty-five* dollar minimum balance in this account represents a member's ownership in PARDA and must remain in your account for membership. Sub accounts may be set up for family members or for nearly any purpose. You can easily access your account with a PARDA ATM card , P.A.R ., or PARDA Online .

*effective 1/1/06

Holiday Club

Prepare for holiday expenses by saving throughout the year. Deposits are accepted through payroll deduction, by mail, transfer through P.A.R, or in person. Save as much as you like and earn monthly dividends, calculated on your average daily balance. Best of all, in October of each year, accumulated deposits and dividends are transferred directly into the account you choose, just in time for holiday shopping.

Vacation Club Savings

Thinking of white sandy beaches, turquoise water, and golden sun? Save for that next getaway with a PARDA Vacation Club account. Make deposits from your payroll deduction or direct deposit into your Vacation Club account today. Dividends accumulate throughout the year and you can withdraw your funds at any time.

PARDA Premier Savings

Maximize your savings return with the PARDA Premier Account. This exclusive savings account helps you achieve your financial goals by rewarding you with preferred dividend rates. Take advantage of this five-tiered dividend rate structure that advances as your balance increases.

IRAs - Individual Retirement Accounts

Begin preparing for an important part of your future with a PARDA Individual Retirement Account. We offer several options to help you make the best plans for your future. Our IRA options include Traditional, ROTH and Coverdell Education Savings Accounts, available in IRA Share accounts or a full range of IRA Share Certificates. IRAs are separately insured up to $250,000 by the NCUA.

24 Hour Access to your account.

Check out e-Statements to learn how to view your monthly statements electronically.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a ''noninterest-bearing transaction account'' are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term ''noninterest-bearing transaction account'' includes a traditional share draft account on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, PARDA Premier Account, Primary Shares, Share Certificates and Sub-Accounts, even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, www.ncua.gov

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