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Savings • CD's • Second Savings • IRA's • Christmas Club
Savings & Investments
You can earn more on credit union savings!
Savings
Deposits may be made by payroll deduction, in person, at an ATM machine or by mail. You may transfer money from savings to any other account by using our SMART audio response system, PCSmart our online banking system or at the credit union office.
Certificate of Deposit
Certificates of Deposit are available with various maturities and minimum deposits. Interest can be compounded, deposited to your savings or checking account or mailed to you. There is a penalty for early withdrawal from this time deposit.
Try our Investment Calculator 
Second Savings
Second Savings Accounts can be used to keep funds separate for taxes, college, or for any other purpose. Dividends are paid monthly. You may make deposits or withdrawals at any time, for any amount.
Deposits may be made by payroll deduction, in person, or by mail. You may transfer money from second savings to any other account by using our SMART audio response system, PCSmart our online banking system or at the credit union office.
IRAs
Individual Retirement Accounts (IRAs) earn excellent rates while providing you with a tax shelter for your retirement. Interest is paid monthly. There are no fees for this service.
Christmas Club
Christmas Club accounts are very popular with the membership. Christmas club funds on deposit are transferred to your savings account in early October of each year. Deposits may be made by payroll deduction, in person, or by mail. You may make deposits or withdrawals at any time, for any amount.
Remember, your savings at Saginaw Medical Federal Credit Union are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a US Government Agency
Saginaw Medical FCU
P.O. Box 6160
Saginaw, Michigan
48608
989.791.7070
Fax: 989.790.6910
memberservices@smfcu.com
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