Explore Answers to Our FAQs
Besides visiting your branch during business hours, you can make deposits in several convenient ways:
- Night Drop: Use your local branch's secure night drop to leave deposits after business hours.
- Mobile Check Deposit: Deposit checks anytime using the Instep mobile app. Simply tap Deposit and follow the prompts. Contact us for mobile deposit availability and processing times.
- Shared Branching: Visit a participating CO-OP Shared Branch to make deposits at thousands of locations nationwide. Learn more about Shared Branching.
- Standard mailed cards: Free
- Instant issue cards: $10
- Excessive replacements may incur a fee*
*Members are eligible for one free replacement card for every 6 months. Requests for new card less than 6 months from replacement card will be charged $10 fee.
- $1.00 per transaction at non-Instep ATMs
- Access free ATMs through our nationwide network
- Qualifying Checking Rewards accounts may receive ATM fee refunds*
*Up to $10 ATM refunds on domestic ATM fees per monthly qualification cycle for qualified members.
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A Traditional IRA may offer tax-deferred growth, meaning you typically pay taxes when you withdraw funds in retirement. A Roth IRA is funded with after-tax dollars, so qualified withdrawals in retirement are generally tax-free.
Yes, early withdrawals are allowed; however, an early withdrawal penalty will apply. This penalty typically results in a loss of dividends earned for a specified period.
They’re essentially the same product. At credit unions, CDs are called Share Certificates. The main difference is that banks pay interest, while credit unions pay dividends. Credit Unions may also offer higher APYs and lower fees.
The Annual Percentage Yield (APY) reflects the total dividends earned over a year, including compounding. Your dividend rate and APY are fixed for the term of the certificate and assume dividends remain on deposit until maturity.
You can choose to have dividends:
- Mailed to you
- Transferred internally to another share
- Remain in the Share Certificate to continue compounding