Save Primary Savings $5.00 deposit to open account Earn a monthly dividend Free access to your funds with the convenience of an ATM Cash Card Free Gerber FCU/Co-Op ATM use Free online access with Gerber FCU mobile and online banking Deposits are Federally insured up to $250,000 Super Savings Accounts Higher dividend earned when you maintain a minimum average balance of $1,000 for the month Free online access with Gerber FCU mobile and online banking Deposits are Federally insured up to $250,000 Certificates of Deposit (Share Certs) Variety of term lengths from 6 to 84 months Cannot lose value unless withdrawn before term end Dividend can be directly deposited into your Savings account Low $1,000 minimum balance Deposits are Federally insured up to $250,000 Individual Retirement Accounts Traditional, Educational or Roth plans available Fast growing yields accelerated by tax deferment or tax exemption of your earnings Can be established under a Certificate of Deposit or Insured Money Management Account Contributions are usually tax deductible No account opening or maintenance fees Deposits are Federally insured up to $250,000 Click below for more information about IRAs: Traditional IRAs Roth IRAs Coverdell Education Savings Accounts Exploring Your IRA Options: Roth IRA vs. Traditional IRA Transfers, Rollovers, and Conversions Christmas Club Accounts Save for holidays, vacations, birthdays, weddings and more Earns regular savings account dividend on balance Make deposits of any amount at any time No monthly fees or early withdrawal fees Free online access with Gerber FCU mobile and online banking Direct deposit or transfer funds from other accounts to increase savings Account balance (plus interest) deposited into your Share Draft account on October 1st each year Deposits are Federally insured up to $250,000