Watch Your Money Grow

Share Savings

A $25 deposit into a Share Savings account establishes your membership with the credit union. Because a credit union is member owned, the money in your account is the equivalent of shares.

Money Market Accounts

Enjoy higher dividends with this account with a minimum balance of $1,000, while maintaining higher flexibility to your money than certificates. The more money you deposit, the higher the return.


We offer traditional, Roth and Educational IRAs. Open any IRA with just $25. Even if you have an employer-sponsored retirement plan you can still contribute to an IRA each year to boost your savings.


Attain a higher dividend rate while maintaining the safety and security of a credit union investment. Open a certificate with a minimum balance of $500 with terms ranging from 90 days to 3 years.

When you invest in a 44 North CU Certificate of Deposit, you’ll earn a guaranteed interest rate for the term of your CD. And you can rest easy knowing your principal is federally insured.

  • Higher rates than Savings or Money Market Accounts
  • Low $500 minimum to open
  • Terms from 90 days to three years
  • All accounts are Federally insured up to $250,000 by the National Credit Union Administration



You can use a Christmas club account to automate your savings and help take some of the financial stress out of the holiday season. 

Enjoy the holidays next year without worrying about all of the expenses! Just a small amount every payday (but you can deposit whenever you like) will add up at the end of the year.

*No monthly service fee. Withdrawal anytime in November & December with no penalty

Savings incentives and other benefits make this a great way to introduce young people to the world of finance. It only takes $5 to establish membership.


Teens ages 13-18 earn punches on a punch card for their deposits (limit 4 per month). Teen accounts feature:

  • Checking Account - First box of checks free.
  • VISA Debit Card - ATM Access.
  • Loans - Age 13-15 = $250 limit.
  • Age 16-18 - 1st time car buyer incentive Adult Joint Owner/Co-Signer required. (ask for details)

We also host a Star Gazing Extravaganza each year in September at Mallard Creek Golf Course. We have Heart of the Valley Astronomy Club bring in their cool telescopes and talk to us about what we can see in the sky. We have door prizes, frosted star cookies, and milk. There is a drawing for one Star Saver to take home a cool, new Orion telescope. Grab your lawn chair and enjoy an evening under the stars.


Each time an adult brings you to the Credit Union to make a deposit into your Star Saver account, you earn a Star Saver token that can be traded in for prizes.

Come in and see us, open an account, make deposits, and save your tokens for great fun prizes ranging from 2 to 25 tokens.


We also offer our young people great scholarship opportunities.

  • Each Spring we give away over $2,000 in summer Camp Scholarships.
  • We also offer two $1,000 continuing education scholarships through the Bud Barnes Memorial Scholarship.

You can print scholarship applications here, or stop by any of our three branches to pick one up.


Email, stop by your local branch, or call/text (541) 259-1235

Dividend Rates
As of 5/31/2023
Type of Account Minimum Balance for Dividend Rate APY
Insurance Savings $100 0.05% 0.05%
Share Savings $100 0.05% 0.05%
IRA Savings N/A 0.10% 0.10%
Start Savers and Christmas Club N/A 0.05% 0.05%
Money Market $1,000 0.40% 0.40%
Money Market accounts and Term Share Certificate dividends calculated monthly, paid monthly. All other accounts, dividends calculated monthly, paid quarterly.
Share Certificate Rate Schedule
As of 1/1/2024
Min. Initial Deposit
$500 - $24,999
Min. Initial Deposit
$25,000 - $99,999
Min Initial Deposit
$100,000 - $199,999
Min Initial Deposit
$200,000 or more
Account Type Dividend Rate/Annual Percentage Yield (APY) Dividend Rate/Annual Percentage Yield (APY) Dividend Rate/Annual Percentage Yield (APY) Dividend Rate/Annual Percentage Yield (APY)
6 - 11 Months 1.243% / 1.25% 1.292% / 1.30% 1.342% / 1.35% Call for Rate
12 - 17 Months 2.275% / 2.30% 2.325% / 2.35% 2.374% / 2.40% Call for Rate
18 - 23 Months 2.960% / 3.00% 3.008% / 3.05% 3.057% / 3.10% Call for Rate
24 - 36 Months 2.716% / 2.75% 2.765% / 2.80% 2.813% / 2.85% Call for Rate
8-Month CD Special 4.698% / 4.80% 4.745% / 4.85% 4.793% / 4.90% Call for Rate
15-Month CD Special 4.554% / 4.65% 4.650% / 4.75% 4.698% / 4.80% Call for Rate
APY = Annual Percentage Yield. APR = Annual Percentage Rate.