Your savings deposits at ISU Credit Union are called Shares and you can select the share savings accounts that best fit your needs. Member deposits are insured to at least $250,000 and backed by the full faith and credit of the United States Government through the National Credit Union Administration, an agency of the federal government. An additional $250,000 in deposit insurance is provided by Excess Share Insurance, an Ohio based insurance company that insures state and federally chartered credit unions across the country. This means member deposits up to at least $500,000 in ISU Credit Union are covered by insurance. You won't find better protection anywhere.

Share Life
Designed to be a long term, primary savings account. You earn competitive, quarterly dividends and benefit from an added feature called Life Savings Insurance. Very simply, this is level term, group life insurance up to a maximum of $3,000 based on deposits remaining in your share life account. A certificate explaining the key terms and conditions of this benefit is available at the credit union.

Daily Dividend Savings
Earns quarterly dividends, calculated from the day of deposit to the day of withdrawal. Normally provides a little higher return than our share life account, but has no life savings benefit.

Benny Bengal Savings
Designed to help children 12 and under save for their future. Savings earn quarterly dividends and qualified members can be eligible to win fun prizes by depositing $5 and making no withdrawals during any calendar quarter.

Medical Savings
Provides a savings option that allows you to save for medical and nursing home costs while reducing the amount of Idaho income tax you owe. A Medical Savings Account (MSA) is a share account intended to encourage savings for future medical expenses. Deposits to your MSA that are within the maximum contribution limit are tax-deductible for Idaho state income tax purposes. An MSA works a lot like a regular share account: you set aside money toward medical expenses, and you make withdrawals for eligible medical expenses, such as your monthly health insurance premium. There are a number of eligible, out-of-pocket expenses for which you can use your MSA savings. Stop by the credit union or give us a call for more information.

Christmas Club Savings
Makes it easy to save for the holidays, taxes or other year-end expenses. By setting aside small monthly amounts, you can enjoy a prepaid Christmas. The funds collected in your Christmas Club account will be directly deposited into your checking account by November 15th of each year for easy access to your money.

Money Market Draft
Combines the convenience of a draft account with the high interest rates of money market investments. Accounts can be opened for as little as $2,000 and we'll provide your first order of drafts free.

Share Certificates
Start at $1000 with maturities ranging from six months to five years. You can choose the exact term that fits your needs. Normally certificates with longer maturities will pay a higher yield. Rates may change frequently, so check with your credit union first when shopping for the highest return.

Individual Retirement Account
Features both savings and certificate options and you can contribute to your account through payroll deduction. We offer Traditional, and Roth IRA's. For more information, stop by the credit union or give us a call.

Coverdell Education Savings Account
Features both Share and Certificate investment options to save for a child's higher education. Contributions can be made at anytime, and when the child withdraws the funds for higher education, they will not pay taxes on the withdrawals.

Open An Account

To open any type of Share account, please stop by your local ISU Credit Union branch. If you would like to apply to join ISU Credit Union online, visit NETELLER and then select New Member. Click here to see if you're eligible.

Account Access
Access your Share accounts conveniently through:
NETELLER INTERNET BANKING ARTT Phone Banking ATM