Share Accounts

Savings Options

The Chemco Federal Credit Union offers several different savings options designed to maximize your earning power.


This is the Credit Union’s primary account, which all members must have in order to be able to take advantage of other services. 


The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the board of directors.

  • Dividends Compounded: Quarterly
  • Dividends Credited: Quarterly
  • Dividend Period: Calendar Quarter


  • Minimum Opening Deposit $5.00
  • Minimum Balance to Earn the Stated APY* $100.00
  • Balance Method: Average Daily Balance


No more than six (6)preauthorized,automatic,or telephone transfers may be made from this account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. You may make transfers or withdrawals in the first seven days after the account is opened without restriction.

Club Accounts

Save for Christmas or Vacation while your money earns dividends with a special Club Account.


The entire balance will be paid to you by check or transferred to another account of yours on or after October 1, and the account will remain open. If you withdraw any of the account balance at any time we will close your account and pay you the full account balance.


No more than three withdrawals are allowed per calendar year. If more than two withdrawals are made from this account, the account will be closed.

Special Share Account

This savings allows our membership to designate funds for special expenses such as insurance or medical. These accounts do earn a lower dividend and are limited to the number of withdrawals members may make. These accounts are helpful for those high yearly expenses

Money One Share

Want to earn higher rates while maintaining access to your funds? This is the account for you! It’s easy with our Money One Account. There is a $10,000 minimum deposit required. Check out our rates on our rates chart!