Share Accounts (Savings)

Share Accounts are the Credit Union's primary savings accounts. Deposits can be made in person, by mail, by direct deposit or by payroll deduction. Withdrawals are permitted anytime.  All Stark Federal members must have a Share Account with a $5.00 minimum balance.

Product Dividend RateAPY*
Regular Share Account.75%.75% APY*
Secondary Share Account.75%.75% APY*

* APY=Annual Percentage Yield. APY may be lower than rate depending on the average daily balance in the account for the dividend period. Fees may reduce earnings. Rate subject to change. A member will lose dividends if the account is closed before accrued dividends are credited. Minimum balance of $200 is required to earn dividends. Each member account is insured to $250,000 by the NCUA. Dividends are paid quarterly. Call for current rates and information. Rates effective 9/19/2023.

What kinds of accounts are there?

Single and Joint accounts:

(a) A single account is operated by one member only.

(b) A joint account is an account held by one member and any other person. A joint account requires signatures of both members on the membership card. Either member may deposit and/or withdraw savings from the account.

Secondary Share Accounts

Secondary Share Accounts offer you a short-term savings option to help you pay for expenses for special events during the year. Stark Federal offers two types of secondary share accounts for your convenience.

Christmas Account

A Christmas Account is a great way to save for Holiday Shopping. You may open a Christmas account in addition to your original savings account. Funds are distributed each year in early October.

Vacation Savings Account

Vacation Savings Accounts are a great place to save for your vacations or just a place to put money for a rainy day. Vacation Savings accounts earn dividends like other accounts and deposits and withdrawals can be done at any time.

Planning on long-term saving? Check out our Share Certificate of Deposit (CD) rates .

If you're interested in other savings for retirement, education, first mortgage and more, consider one of our IRAs.