Savings Accounts
Our savings options make it simple, safe, and rewarding to grow your money.
Start building your financial future with a savings account at Benton County Schools Credit Union. Just a small opening deposit makes you a member-owner with access to our full range of services. Earn competitive dividends while keeping your money safe, secure, and available when you need it.
Money Market & Higher-Yield Savings
Make your savings work harder. Whether you’re building toward a larger goal or maintaining a higher balance, Benton offers tiered savings options with stronger earning potential than regular savings.
Member Advantage Savings starts at $2,500 and is a smart step up for members who want better earnings without a large opening balance.
Money Market Savings starts at $10,000 and is designed for members ready to earn more on higher balances.
Member High Yield Savings starts at $25,000 and offers Benton’s highest savings earning potential.
All options require a Regular Share account, earn interest monthly, and are based on your average monthly balance.
Youth Savings Accounts
Start Smart and Make Saving Fun
We love helping young savers get started.
Members under 14 receive:
A U.S. map to collect all 50 state quarters
A starter roll of quarters, courtesy of BCSCU
It’s a fun way to learn the value of saving while building great habits early.
November Club Savings
Want a stress-free holiday season? Christmas Club Savings helps you save all year long.
How it works:
Funds are mailed to you in mid-November
Early withdrawals may include a penalty
Requires a Regular Share account
It’s a great way to build holiday savings — and who doesn’t love a check arriving just before Christmas?
First Time Home Buyer
Start saving for your first home with a tax-exempt savings option designed to help you reach your goal faster. This account offers a higher dividend rate, with annual contribution limits. Contact us for details and eligibility information.
Change Saver Savings
Save automatically every time you use your debit card. With our Change Saver Program, your purchases are rounded up to the nearest dollar, and the extra change is transferred into a special savings account that earns a higher dividend rate. Direct deposits into this account are not allowed.
A Regular Share and Checking account are required.
Club Savings Account
Club Accounts help you set money aside for specific goals — without mixing it into your everyday savings.
Available club options include:
Miscellaneous Savings
Summer Savings
Tax Savings
Holiday Savings
Household Savings
What to know:
No minimum balance required
Same rate as Regular Shares
Dividends compounded quarterly
Requires a Regular Share account
These accounts make it easier to stay organized and plan ahead.
IRA Savings Accounts
Save for Retirement or Education
BCSCU offers IRA options to help you plan for the future.
Available accounts:
Traditional IRAs
Roth IRAs
Coverdell Education Savings Accounts
Key details:
Available as Savings Accounts or Certificate Investments
IRA Savings Accounts pay the Money Market rate
Interest compounded monthly
Minimum balance to open: $1
Requires a Regular Share account
For tax-related questions, please consult a tax advisor. BCSCU cannot provide tax advice.
Health Savings Accounts (HSAs)
If you have a High Deductible Health Plan, an HSA can help you save for medical expenses.
What to know:
Use funds for qualified healthcare costs
Requires a Regular Share account
We’re Here to Help
Not sure which savings option is right for you? We’re happy to help you choose.
Membership required. Minimum deposit of $25.00 in a Share Savings Account is required to establish membership. Certain accounts have transaction limitations; see account agreements for details. Additional terms and conditions may apply. Special offers and youth account matching deposit offers may change at any time. Dividends, rates, and terms may change. All accounts are subject to membership eligibility and account requirements. Please contact the Credit Union for current rates, fees, and product details.