Savings Accounts

A Share Savings account represents your ownership in Baltimore County Employees Federal Credit Union and is required for membership. As an owner, you’ll have access to low- or no-fee accounts and services as well as highly competitive vehicle, real estate and personal loans.  Each member’s accounts are insured by NCUA up to $250,000.

Saving for something special? Building an emergency fund? Use our Savings Goal Calculator to keep you on track.

Savings Options

Features

Minimum Deposit


Share Savings

No minimum balance

Free ATM card

Dividends compound and are credited quarterly

$5

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Premier Money Market

Minimum opening deposit $2,500

Higher dividend rate

$100 minimum per deposit, transfer or withdrawal

Dividends compound and are credited monthly

If balance drops below $2,500, APY* earned is 1% below Share Savings rate

$2,500

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Junior Savings

For youth ages 6-17

An parent or guardian must be a joint owner

No minimum balance

Free ATM card (14 and older, $200 withdrawal limit per 24 hours)

Dividends compound and are credited quarterly

$5

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Teen Savings

Youth ages 13-17

A parent or guardian must be a joint owner

No minimum balance

Free VISA Debit card

Dividends compound and are credited quarterly

$5

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Custodial Savings

Established by an adult for benefit of a minor

The minor cannot access the funds until they turn 21

No minimum balance

Dividends compound and are credited quarterly

Withdrawals must be done in person with the custodian’s signature

$5

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Holiday Savings Club

Minimum opening deposit of $5

No minimum balance

Dividends compounded and credited quarterly

Account balance transferred to Share Savings account once per year in October. Additional withdrawals incur a $10 fee.

$5

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Personal Savings Club

Minimum opening deposit of $5

No minimum balance

Dividends compounded and credited quarterly

Unlimited withdrawals

$5

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Vacation Savings Club

Minimum opening deposit of $5

No minimum balance

Dividends compounded and credited quarterly

$5

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