Our Accounts


 

Basic Checking

If you've been turned down for a checking account, or if you just want a checking account with no frills, then Basic Checking is for you. With Basic Checking, you enjoy:
  • Free Visa Debit Card
  • No Minimum Balance**
  • Unlimited Transactions
  • No Monthly Maintenance Fees
  • Re-order Your Checks Online (through online banking)
  • Federally Insured
  • Plus free convenience services below

Premium Checking

Free yourself from fees with Mid Carolina’s Premium Checking Account. With Premium Checking you enjoy:
  • Free Visa Debit Card
  • No Minimum Balance**
  • Unlimited Transactions
  • No Monthly Maintenance Fees
  • Re-order Your Checks Online (through online banking)
  • Overdraft Privilege (ODP)
  • Federally Insured
  • Plus free convenience services below

Both accounts come with our FREE convenience services!
  • Online Banking
  • Mobile and Text Message Banking
  • E-Statements
  • Direct Deposit
  • Automatic Transfers
  • Automated My Personal Teller
  • Convenient Branch Locations
  • Access to Thousands of Surcharge-free ATMs
 
 

Share Savings

This is where it all begins - a $5 balance in your Share Savings account represents your credit union share, and entitles you to all of Mid Carolina's benefits.
  • Dividends Paid: Monthly
  • Minimum Balance: $5
Special Features:
  • 24/7 access via Co-op and STAR ATM networks
  • May be set up as source for Overdraft Protection on your Checking account
  • Online Banking & Mobile Access

Certificates

Kick your savings program into high gear with Mid Carolina Credit Union's Certificate Accounts. You'll earn higher dividend rates than you would on other savings accounts, and your investments are federally insured up to $250,000.
  • Dividends Paid: Monthly
  • Minimum Required Deposit: $1000
  • Step-Up feature
Special Features:
  • Many terms to fit your savings needs - from three to 36 months
  • Competitive rates

Club Accounts

Christmas Club Accounts: Save as much as you like as often as you like. Mid Carolina Credit Union's Christmas Club account helps you to save for the holidays with a little added interest bonus. Payroll deduction or automatic transfer make it even easier to reach your goal. On November 1, the money in this account is automatically transferred to the account of your choice.
 
 

Traditional IRA

  • Annual contributions may be tax-deductible
  • Taxes deferred until time of withdrawal
  • Penalty-free withdrawals for certain qualified reasons
Consult your tax advisor regarding deductibility, contribution limits and wirthdrawal requirements.

Roth IRA

  • Non-deductible contributions
  • Earnings are tax-free
  • Ability to withdraw without penalty if certain conditions are met
Consult your tax advisor regarding deductibility, contribution limits and withdrawal requirements.