{"id":248090,"date":"2021-08-01T19:56:27","date_gmt":"2021-08-01T19:56:27","guid":{"rendered":"https:\/\/www.caccu.org\/?page_id=248090"},"modified":"2024-02-07T16:11:42","modified_gmt":"2024-02-07T16:11:42","slug":"savings","status":"publish","type":"page","link":"https:\/\/www.caccu.org\/accounts\/savings\/","title":{"rendered":"Savings"},"content":{"rendered":"\r\n<h1>Savings Accounts<\/h1>\r\n<nav id=\"breadcrumbs\" aria-label=\"Breadcrumbs\"><a href=\"https:\/\/www.caccu.org\/\">Home<\/a> \u00bb <a href=\"https:\/\/www.caccu.org\/accounts\/\">Accounts<\/a> \u00bb Savings<\/nav><!-- Datatrac Placeholder Start -->\r\n<p><a title=\"Interest Rates Certified by Datatrac\" href=\"http:\/\/www.datatrac.net\/rates\/California Community Credit Union?Cls=savings&amp;Key=gra_3786savings17497percentage1&amp;tmpl=0\" target=\"_blank\" rel=\"noopener\">Interest Rates<\/a>\u00a0<a title=\"Interest Rates Certified by Datatrac\" href=\"https:\/\/www.datatrac.net\/greatrateaward.aspx\" target=\"_blank\" rel=\"noopener\">Certified by Datatrac<\/a><\/p>\r\n<!-- Datatrac Placeholder End --><!-- Datatrac Script Start (Script) --><!-- Datatrac Script End -->\r\n<h2>Savings Accounts<\/h2>\r\n<h2>Savings and Special accounts<\/h2>\r\n<h2>Savings Accounts<\/h2>\r\n<p><a href=\"\/loans\/calculators\/\"><img decoding=\"async\" src=\"https:\/\/www.caccu.org\/wp-content\/uploads\/2021\/08\/calculator-sidebar.jpg\" alt=\"Financial Calculators\" \/><\/a><\/p>\r\n<h2>Financial Calculators<\/h2>\r\n<p>Use our <a href=\"\/loans\/calculators\/\">free calculators<\/a> to plan for the big expenses.<\/p>\r\n<h2>Have a Question?<\/h2>\r\n<p>Please feel free to contact us. We will get back to you within 1 &#8211; 2 business days.<\/p>\r\n<ul>\r\n<li><a href=\"tel:8003321418\">(800) 332-1418<\/a><\/li>\r\n<li><a href=\"mailto:info@caccu.com\">info@caccu.com<\/a><\/li>\r\n<li>Lost\/Stolen<br \/><a href=\"\/accounts\/visa-debit-card\/\">VISA Credit Card<\/a> Call <a href=\"tel:8002376277\">(800) 237-6277<\/a><\/li>\r\n<\/ul>\r\n<p><a href=\"\/contact\/\" target=\"_self\" rel=\"noopener\"> contact us <\/a><\/p>\r\n<h2>Savings Account<\/h2>\r\n<p>Your primary savings account is actually a &#8220;share account&#8221;, a statement of ownership in the credit union. This is the account that makes you a member of California Community Credit Union. It functions just like a regular savings account, offering you a safe way to save and earn competitive dividends. Funds can be used to provide overdraft protections for your checking account or as collateral for a share-secured loan.<\/p>\r\n<p>A minimum deposit of $2.00 is all that&#8217;s needed to open a share account; $1.00 to open the account and a one-time membership fee of $1.00.<\/p>\r\n<p>Before enjoying any of our services, you must first become a member of California Community Credit Union.<\/p>\r\n<p>For more information about our savings (share) accounts, please call one of our friendly member services representatives, or visit a local California Community Credit Union branch office near you.<\/p>\r\n<p><a target=\"_self\" rel=\"noopener\"> open your account <\/a> <img loading=\"lazy\" decoding=\"async\" title=\"lineofcredit\" src=\"https:\/\/www.caccu.org\/wp-content\/uploads\/2021\/08\/lineofcredit.png\" alt=\"lineofcredit\" width=\"842\" height=\"350\" \/><\/p>\r\n<h2>Individual Retirement Accounts (IRAs)<\/h2>\r\n<p>Traditional IRA: A Traditional IRA is an account that allows qualified tax-deductible contributions and also allows contributions and earnings to grow tax-deferred. This means you do not pay taxes on your contributions or earnings until you withdraw them.<\/p>\r\n<p><img loading=\"lazy\" decoding=\"async\" title=\"rescue\" src=\"https:\/\/www.caccu.org\/wp-content\/uploads\/2021\/08\/rescue.png\" alt=\"rescue\" width=\"842\" height=\"350\" \/><\/p>\r\n<h2>The Roth IRA<\/h2>\r\n<p>A Roth IRA is a nondeductible account that features tax free withdrawals of earnings after a five-year holding period and when certain requirements are met. Your contributions and earnings accumulate tax free. Since the money you contribute has already been taxed, you may make tax-free and IRS penalty-free withdrawals at any time-as long as the amount withdrawn is less than or equal to the contributions already made. You may invest in a Roth IRA in addition to any contributions you make to your company-sponsored retirement plan.<\/p>\r\n<p>For more information about our Term Accounts, please call one of our friendly member services representatives, or visit a local California Community Credit Union branch office near you.<\/p>\r\n<p><img loading=\"lazy\" decoding=\"async\" title=\"junior\" src=\"https:\/\/www.caccu.org\/wp-content\/uploads\/2021\/10\/junior.png\" alt=\"junior\" width=\"842\" height=\"474\" \/><\/p>\r\n<h2>Jr. Saver&#8217;s Account<\/h2>\r\n<p>The Jr. Saver&#8217;s Account is the perfect account for teaching your child the importance of saving while allowing him or her to earn dividends. This account is designed for members under the age of 18. A parent or legal guardian MUST be a joint owner on the account until the minor reaches the age of 18.<\/p>\r\n<p>The Jr. Saver&#8217;s Account allows a minor to make withdrawals and deposits to the account without requiring the joint owner to be present. This gives the minor control and experience in maintaining his or her own account.<\/p>\r\n<p>For more information about our Jr. Saver&#8217;s Account, please call one of our friendly member services representatives, or visit a local California Community Credit Union branch office near you.<\/p>\r\n<p><img loading=\"lazy\" decoding=\"async\" title=\"vacation\" src=\"https:\/\/www.caccu.org\/wp-content\/uploads\/2021\/10\/vacation.png\" alt=\"vacation\" width=\"842\" height=\"350\" \/><\/p>\r\n<h2>Vacation Account<\/h2>\r\n<p>Accumulate enough funds to pay for your dream vacation with this special savings account. Vacation Accounts earn the same high dividends as Regular Savings and allow you to save for this special purpose. With this account:<\/p>\r\n<ul>\r\n<li>Earn dividends on daily balance (paid and compounded quarterly).<\/li>\r\n<li>Pay no monthly service charge.<\/li>\r\n<li>Deposits can be made in person, by mail, or via payroll deduction or automatic transfer from your savings or checking account.<\/li>\r\n<li>Funds from this account are disbursed when you need them.<\/li>\r\n<\/ul>\r\n<p>To open an account, please visit or call any of our branch offices.<\/p>\r\n<p><img loading=\"lazy\" decoding=\"async\" title=\"santahelper\" src=\"https:\/\/www.caccu.org\/wp-content\/uploads\/2021\/10\/santahelper.png\" alt=\"santahelper\" width=\"842\" height=\"552\" \/><\/p>\r\n<h2>Santa&#8217;s Helper Account<\/h2>\r\n<p>Save for holiday shopping and earn dividends with the benefits of a Santa&#8217;s Helper Account. This account is opened with a minimum deposit of $0.00 and additional deposits can be made in person, through the mail, by payroll deduction or automatic transfer from your regular checking or savings account.<\/p>\r\n<p>Your Santa&#8217;s Helper Account funds will be transferred into your checking or savings account on November 1st, and will renew each year.<\/p>\r\n<h4>Modal Box<\/h4>\r\n<h5>modal-<\/h5>\r\n<p>Click here to edit the &#8220;modal-box&#8221; settings. This text is only for editing and will not appear after you publish the changes. Preview modal- <br \/><img decoding=\"async\" src=\"https:\/\/www.caccu.org\/wp-content\/uploads\/2021\/08\/exitmodallogo.png\" alt=\"CAACU Logo\" \/><\/p>\r\n<h4>You are leaving California Community&#8217;s website:<\/h4>\r\n<p>&nbsp;<\/p>\r\n<h4><a href=\"https:\/\/www.mobicint.net\/ccf-live\/openAccount\/start\" target=\"_blank\" rel=\"noopener\">Click to Continue to www.mobicint.com<\/a><\/h4>\r\n<p>&nbsp;<\/p>\r\n<p>By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union&#8217;s website. The privacy and security policies of the site you are entering are different from California Community Credit Union&#8217;s. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.<\/p>\r\n<p><br \/><br \/><a target=\"_self\" rel=\"noopener\"> MOBILE APP <\/a><\/p>\r\n<p>It&#8217;s fast, secure, and FREE.<\/p>\r\n<p>Check account balance, transfer funds, review account statements and transaction history, temporarily block your debit card, make mobile deposits and more! We invite you to discover the convenience of CACCU&#8217;s mobile app &#8211; anytime, anywhere.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Savings Accounts Home \u00bb Accounts \u00bb Savings Interest Rates\u00a0Certified by Datatrac Savings Accounts Savings and Special accounts Savings Accounts Financial Calculators Use our free calculators to plan for the big expenses. Have a Question? Please feel free to contact us. We will get back to you within 1 &#8211; 2 business days. (800) 332-1418 info@caccu.com&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":248085,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Savings Account California | Open Account | CACCU<\/title>\n<meta name=\"description\" content=\"Our savings account in California offers you a safe way to save and earn competitive dividends. 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