Savings Accounts

We Offer A Wide Range Of Accounts For Your Banking Needs

Here at Mokelumne Federal Credit Union we make saving simple and convenient. With multiple saving accounts you stay in control of future expenses and goals set by you. Your Primary savings and each sub account will earn dividends on balances of $100 or more. Dividends are paid quarterly.

Share Account

A Share Account establishes membership in the Credit Union. The Share Account is a standard savings account, but is called a Share Account because the Credit Union is member owned. When you save at Mokelumne, you are actually purchasing shares of the Credit Union.


  • No Monthly Service Fee
  • Minimum balance of $25 required at all times
  • Interest Bearing –must maintain an average balance of $100.00 to earn dividends
    • Dividends are compounded quarterly
  • Overdraft protection for your checking account

  • Maximum 6 transactions out of the savings per month (Transactions include ACH debits, Transfers to other MFCU accounts and cash withdrawals)
    • Additional withdrawals are subject to a fee
    • Never a fee to deposit

Young Saver Account

Your child is never too young to start learning good saving habits.


  • For members 0-17 years old.
  • No monthly service fee
  • Minimum balance of $25 required at all times

  • Interest bearing- must maintain an average balance of $25.00 to earn dividends
    • Compounded quarterly
  • Account converts to a regular Share account once Young saver turns 18

Sub Savings Accounts

Within your Mokelumne FCU account you are able to establish sub accounts for your personal banking needs.


  • Christmas Club Savings
  • Vacation Club Savings
  • Personalized Sub Savings
  • Money Market Savings

Fully Insured Savings and Investments

Don't worry, your money is safe with us.

The National Credit Union Share Insurance Fund (NCUSIF) insures individual accounts up to $250,000, and a member’s interest in all joint accounts combined is insured up to $250,000. The Share Insurance Fund has the backing of the full faith and credit of the United States. Credit union members have never lost even a penny of insured savings at a federally insured credit union. Learn more about your accounts coverage by visiting www.ncua.gov.

Learn More

NCUA fully insures your money
Legal Information and Disclosures
  1. Some restrictions apply.
  2. A service fee may be administered for the use of check or draft overdrafts. See our fee schedule for applicable fees.