We're concerned with your complete financial well-being. And that concern is certainly evident in our products designed to help you save.

A $5 deposit to your Share Savings Account gives you access to our wide array of products and services designed to help achieve economic health; it's your ownership in your credit union.

Share Savings Accounts are:

• Flexible: Offering a competitive dividend. Dividends are paid quarterly on Share Savings Accounts
• Accessible: you can make deposits and transfers in person, by mail, by telephone, by online transfer requests, or by direct deposit/payroll deduction

This is a great account for making your savings work for you, whether your needs are short- or long-term.

Become an DCTFCU member and open a Share Savings Account today!

Regular Share Certificates

If you're saving for the long-term and want a better dividend rate than a simple savings account can offer, DCTFCU's Share Certificate Accounts are just what you need.

Share Certificate Accounts, called CDs by Banks, offer excellent benefits:

• Convenient Terms: You can choose terms ranging from three months to 48 months (rates subject to change)
• Higher Rates: Your dividend rate could be up to twice as much as simple savings accounts
• Dividends paid quarterly: Dividends earned are available monthly

Open a Certificate Account Now!

• Minimum $500 deposit required
• Penalty for early withdrawal may apply

What do you want out of retirement? Do you want to travel? Do you want to retire early? Or do you simply want a secure source of adequate income?

Whatever your retirement goals, a DCTFCU Individual Retirement Account (IRA) can help you reach those goals.

DCTFCU IRAs offer you:

• Long-term savings with compounding dividends
• Funds insured up to $250,000
• Automatic deposits allowed
• May rollover retirement funds
• Easy set up

Traditional IRA Accounts (ACCUMULATIVE & CERTIFICATES)

Whether retirement is in your near future or still years away, it's always the right time to plan for retirement. And a DCTFCU Traditional IRA is an essential part of your plan.

Take advantage of the Traditional IRA benefits:

• Dividends paid monthly on accumulative accounts
• Dividends paid quarterly on certificates
• Earn tax-deferred, compound interest on your money
• Deposit up to $4000 for tax year 2007; up to $5000 for tax year 2008
• For age 50 and older, deposit up to $5000 for tax year 2007; up to $6000 for tax years 2008
• Begin penalty-free withdrawals as early as age 59½
• Continue tax-deferred deposits as late as age 70½
• Begin withdrawing funds at age 70½

Take penalty-free early distributions for education or a first-time home purchase (you must still pay taxes on the money you withdraw)

Check with our savings representatives for further information about distribution and deductibility rules

Roth IRA Accounts (ACCUMULATIVE & CERTIFICATES)

If you'd rather pay taxes on your retirement income now rather than later, consider DCTFCU's Roth IRA

• Competitive rates
• Dividends paid monthly on accumulative accounts
• Dividends paid quarterly on certificates
• Earnings may be tax-free after meeting the five-year rule
• Deposit up to $4000 for tax year 2007; up to $5000 for tax year 2008
• For age 50 and older, deposit up to $5000 for tax year 2007; up to $6000 for tax years 2008

Withdraw the earnings tax-free after five years if:

• You are 59½ or older, or
• You are a first-time home buyer, or
• You are disabled, or
• You are a beneficiary of the deceased owner

Check with our savings representatives for further information about a Roth IRA account

*Penalties may apply for early withdrawal.

Coverdell Education Savings Account

Start saving now for a child's education with a DCTFCU Coverdell Education Savings Account (ESA).

• Dividends paid quarterly
• Deposit up to $2000 per year for each child under 18
• Withdraw money tax and penalty free as long as it is used for education (K-12, College, Technical School, etc.)
• Withdrawals are tax-free since deposits are made after taxes
• Funds not used may be rolled into a family member’s Coverdell without penalty
• Funds must be withdrawn by age 30 (unless disabled), penalties may apply

Check with our savings representatives for further information about a Coverdell Education Savings Account

Finding flexibility along with a solid interest rate accrual can be truly difficult.

Not at Daviess County Teachers FCU. Our Ultimate Account is comfortable and flexible.

• Dividends paid monthly
• Some restrictions apply
• Minimum of $10,000 required

Special Savings Accounts

If you know of a large expense in your future, why not start saving for it now? Whether you're saving for a down payment, taxes, insurance, Christmas, or a family vacation, DCTFCU's Special Savings Accounts make it easy to save.

With a Special Savings Account, you get:

• The convenience of an automatic share transfer or payroll deduction into your account
• Dividends paid quarterly. Some restrictions may apply