Stories Matter

Savings Accounts

Savings Accounts We Offer

  • Regular Savings (Share Accounts): Pays dividends on the daily balance, compounded quarterly.
  • Special Savings (Sub-Share Accounts): Additional savings accounts for specific purposes, like vacations or taxes.
  • Christmas Club Savings: Save all year for holiday expenses, with funds distributed on November 1st.
  • Round Up Savings: Automatically round up debit card purchases to the nearest dollar, with the difference transferred to your savings account.

Additional Services

  • Overdraft Protection: Link your savings with a checking account.
  • Rates: Check out our Savings Rates Page.


Every member has a savings account called the “Share Account.” The minimum deposit in your Share Account established membership in the credit union.

  • Minimum Deposit:
    • $50.00 for members over 18 years old.
    • $5.00 for members under 18 years old.
  • Establish Membership: Your initial deposit establishes your membership and ownership share in the credit union.
  • Cancel Membership: Withdraw your minimum deposit and close your accounts (unpaid debts may offset this deposit).

This is how your savings help others

When you deposit money into a savings account at Media Credit Union, you’re not just saving for yourself; you’re also supporting fellow members. Here’s how it works:

  • Loans for Members: Your savings are used to provide loans for other members, whether it’s for buying a car, purchasing a home, or starting a business.
  • Earning Interest: The interest borrowers pay on these loans helps fund the interest on your savings and covers the credit union’s operating costs.

Share accounts vs savings accounts

Members hold a financial stake in the credit union and your savings account represents your share.  That’s why we call your savings account a “share account” (or sometimes a share savings account). 

The Share Account also offers the features of other savings accounts allowing you to deposit money, earn interest, and save for future expenses.


Why choose media credit union?

Member Owned: As a not-for-profit organization, any extra money made is returned to members through better rates on loans and savings, lower fees, or additional services.

Community Focused: We focus on serving the financial needs of our local communities, which benefits the community we live in. Members help each other financially, creating a supportive and collaborative environment.

(509) 838-8960
6103 N Astor St.
Spokane, WA 99208