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Savings Accounts

Save Today, Plan for Tomorrow

Becoming a CSE member is as easy as opening a savings account! Every CSE member is required to open a standard savings account and maintain a minimum balance of $5.00. Along with making deposits, withdrawals and direct deposits, you can also access your account from anywhere with our electronic services.

Please note: The minimum balance needed to earn dividends on this account is $100.00 for adults and $25.00 for children who have an M3 Kids Account or Elements of Money Teen Account. See our current rates today.

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CO-OP Shared Branching

Reap the benefits of branches anywhere in the country with the CO-OP Shared Branch Network. With over 5,000 credit unions in the U.S., you can access your accounts from anywhere.

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Account Alerts

Get real-time updates for your credit union accounts via text. With account alerts, you’ll receive notifications straight to your phone for things like deposits, withdrawals, low balances and more. You can also control when, where and what alerts you want to receive.

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Mobile Banking

Stay connected to the money you’ve worked hard to save. Check your balance, transfer funds, deposit checks for free, make payments and much more from your mobile device.

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Mobile Deposit

Deposit checks on your time with mobile deposit. Just snap a picture of your check and send it straight to your account!

More than the Average Savings Accounts

Money Management Accounts – Complement your savings and checking accounts with a money management account to streamline your finances. This account traditionally earns a higher rate of return than the share account. Dividends are compounded weekly. Guidelines for this account are:

  • Minimum average daily balance of $1,000.00 to earn dividends
  • Minimum withdrawal of $500.00
  • Maximum 6 withdrawals per month

Term Share Certificates – Earn money faster while you save with a term share certificate. The minimum amount for a term share certificate is $500.00. Certificate rates are reviewed and set monthly by the credit union's Board of Directors. CSE’s term share certificates options are:

  • 91 Days
  • 6 Months
  • 1 Years
  • 18 Month
  • 2 Years
  • 3 Years
  • 4 Years
  • 5 Years
  • 6 Years
  • 7 Years

Penalties are applied for withdrawing money from a Term Share Certificate before the term length is up.

Current Certificate Rate

Club Accounts

Open a club account for a short-term savings option to help pay for expenses you plan on every year. CSE offers two club accounts - Christmas Club and Vacation Club. These accounts may be opened anytime during the year. Christmas Club funds are disbursed on November 1st and Vacation Club funds on April 1st.


Whether you’re saving for retirement or need to roll another IRA or 401K to a new account, CSE has a Traditional, Roth or Coverdell Educational IRAs for your financial planning. Rates are reviewed and set by the credit union's Board of Directors on a monthly basis. There is a penalty for early withdrawals. Please feel free to contact us for details or questions.

Health Savings Accounts (HSAs)

If you’re covered by a high-deductible health plan, a Health Savings Account (HSA) is a great way to receive tax-preferred treatment of money saved for medical expenses. If you think you may qualify for an HSA, we recommend that you consult with a tax advisor before opening one of these accounts.

Special Accounts

Special savings accounts can be set up to help you save for a special purpose. These accounts are exactly the same as CSE’s Savings (Share) Accounts but allow members to have an extra account for rainy days or other saving purposes. Please reach out to a member service representative for details.

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