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OMNI Community Credit Union offers an extensive range of savings accounts
PERSONAL ACCOUNTS
Regular Savings Account
  • Interest accrues daily and is paid quarterly on balances of $100 or more
  • $5 minimum opening deposit
  • Unlimited withdrawals
  • Quarterly statements
  • Free OTTO 24 and Internet Banking
  • Interest accrues daily and is paid quarterly on balances of $1000 or more
  • Higher yield than regular savings accounts
  • Unlimited withdrawals
  • Quarterly statements
  • Free OTTO 24 and Internet Banking


Christmas Club
This account makes it easy to save for the holidays. No minimum balance is required, and deposits can be made on a regular basis, in person at the credit union, online, by OTTO 24 or with direct deposit of your payroll check. Account holders can withdraw their funds from October 1 through December 31.

Certificates of Deposit
Earn premium interest rates when you invest as little as $1,000 in a CD. The rate you earn is based on the term of the deposit, and you'll accrue interest on either a monthly or quarterly basis.
INDIVIDUAL RETIREMENT ACCOUNTS
Traditional IRA
This tax-advantaged account allows earnings and deductible contributions to grow tax-deferred until you retire and possibly are in a lower tax bracket.
  • Contribute up to $4,000 a year
  • Some contributions deductible
  • Tax-deferred earnings
  • Distributions generally taxable
  • No income limits


Roth IRA
Unlike a Traditional IRA, contributions to a Roth IRA are not deductible from gross income on federal income tax returns. However, since taxes are paid on IRA contributions, funds can be withdrawn at any time without tax consequences.
  • Contribute up to $4,000 a year
  • Nondeductible contributions
  • Tax-deferred earnings
  • Eligiblity varies depending on income level


Coverdell (ESA)
Unlike state 529 plans, Coverdell ESAs can be used to pay for qualified elementary and secondary education expenses.
  • Contribute up to $2,000 per child each year
  • Tax-free and penalty-free if used for qualified education expenses
  • Eligiblity varies depending on income level
SENIOR ADVANTAGE CLUB
Membership has its privileges. This Club is open to members 55 years or better who maintain %5,000 in combined savings or loan accounts, or have direct deposit of payroll, pension or Social Security.
  • Two Free boxes of Senior Style checks per year
  • No issue fee for travelers checks and money orders
  • Free copies at the credit union (maximum 10 per day)
  • Six free non CO-OP Network ATM withdrawals per month


KIDS' ACCOUNTS
Penny Panda Savers Club
  • For children up to age 12
  • $5 minimum opening deposit
  • Interest paid on balances of $5 or more
  • Unlimited withdrawals
  • $200 minimum deposit to open a CD
  • Quarterly statements
  • Special Savers Club promotions


Teen Savers Club
  • $5 minimum opening deposit
  • First 50 check are Free
  • Interest paid on balances of $100 or more
  • Quarterly Statements
  • Unlimited withdrawals
  • $500 minimum deposit to open a CD