8510 E Bannister Road    .    Kansas City, MO 64134     .     816.763.4020    .      fax # 816.966.8743      .      info@csdcu.org

Lobby and Drive-thru Hours
 Monday - Friday  9:00 am - 5:00 pm
 Saturday  9:00 am - Noon

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Savings Accounts

Save today to meet your financial goals for tomorrow.  With a variety of savings accounts, including money market accounts, CDs and IRAs, your money is here to work for you.

Primary Share Savings Account - $10.00 minimum deposit allows you to receive all of the benefits of a CSDCU membership.  Primary owners of your CSDCU Share Savings Account are member/owners of CSDCU.

  • There are no monthly fees or minimum balance charges with your CSDCU Primary Share Savings Account
  • Dividends paid quarterly
  • Click here for current rates
  • Have a direct deposit and/or payroll deposit sent to your savings account to start saving for a rainy day
  • Quarterly statements
  • Up to 6 withdrawals per month ($1.00 fee for each additional)
  • Shares may be used as security on consumer loans; earn dividends while you pay yourself back
  • All deposits insured up to $250,000.00 by NCUA

Secondary Savings Accounts - Saving for a particular purpose? Planning an upcoming vacation?  Need to save for taxes?  College expenses?  Home repairs? Open a separate savings account to make it easier to set money aside.  This makes it easier to resist dipping into these accounts for day-to-day expenses. No monthly service fees and no minimum balance required!  

Holiday Club Accounts -  Tuck away a little money each month to make holiday shopping a little more stress free!  Set up your monthly deposits thru direct deposit or a payroll deduction.

Money Market Accounts - If you hold a high balance in a savings account, your money may not be working as hard for you as it could. Many people open a money market account to earn higher dividends while keeping their funds readily available. Open a money market account with as little as $1000.00.  CSDCU offers 3 rate tiers based on your money market balance.

  • Click here to check our current rates
  • Limit 6 withdrawals per month ($10.00 fee for additional withdrawals}
  • Money market account does not earn dividends if balance drops below $1000.00
  • All deposits insured up to $250,000.00 by NCUA

***Click here for information on Regulation D - How it affects your CSDCU Savings Account***

Certificates of Deposit (CDs) - Choose your term from 6 months - 60 months and see bigger returns on your money.  Open a CD with a low minimum deposit of $500.00, and make subsequent deposits in multiples of $500.00 or more.  

  • Current CD rates
  • Regular and IRA CDs available
  • Interest rates may change weekly
  • Penalty for early withdrawal
  • Jumbo CD available. $25,000.00 minimum initial investment for 12 months
  • All deposits insured up to $250,000.00 by NCUA

Individual Retirement Accounts (IRAs) - CSDCU offers Traditional, Roth and Educational IRAs.  Make an IRA part of your long-term plan for financial security.  A credit union IRA offers you the safety of insured deposits, competitive rates, low or no annual maintenance fees, the convenience of payroll deduction, low minimum deposit requirements, and the personal, people-to-people service that credit unions are known for.

IRA Options

Traditional IRA Savings Accounts offers a great savings rate for members who want to grow their money but still have easy access to it.

For members planning on letting their nest egg grow, we offer IRA Certificates with terms from 6 months - 60 months.
  • Current IRA rates
  • No minimum deposit is required to open an IRA savings account
  • Make regular deposits to your CSDCU IRA savings account easily with a payroll deduction.

EHL        NCUA  
Federally Insured by the NCUA