When you join Widget Financial, your primary Savings Account is your main account. Anyone who lives, works, worships or goes to school in Erie or Crawford County can join the Credit Union by opening a Share Account with a minimum deposit of $10.00.

Savings Accounts can be established as single-name, joint, custodial, representative payee or trust accounts. As a Credit Union, we believe in giving back to our members, so our Savings Accounts earn quarterly dividends.

You can apply for a card to access your Savings Account at ATM machines worldwide. Click here to read about the differences between a card that can access only your Savings Account versus a card that can access both Checking and Savings.

We also offer Special Savings accounts so you can keep funds separate from your regular Savings and Checking Accounts! Use this account to save for taxes, special projects or anything else you may need.

There are plenty of convenient ways for you to manage your Credit Union Savings Account. Deposits and withdrawals can be made at any one of our six convenient locations and at multiple ATMs in the region. You can enroll in CU Online, our Online Banking service, that allows you to transfer funds between your Credit Union Accounts.

Interested in joining our Credit Union by opening a Savings Account? Click here to join online, or stop in to one of our locations today!

Share (Savings)30.10%0.10%
Holiday Club0.10%0.10%
Vacation Club0.10%0.10%
Special Savings0.10%0.10%
Experience Checking50.10%0.10%
HD Checking62.00%2.02%
1 Dividend Rate 2Annual Percentage Yield. All APYs are accurate as of 10/1/16. 3 The minimum opening deposit amount is $10. Minimum $25 to earn dividends. Dividends paid quarterly. The minimum daily balance to earn posted dividends on a savings for an account with the primary account holder over the age of 25 is $500. 4 Member must deposit $5 at time of account opening. The credit union may limit the number of accounts at its discretion Penalty for early withdrawal of 6 months dividends (less if account is closed prior to 6 months). All funds added to the account must be through automatic deposit (either ACH or auto account transfer). Additional funds may not be deposited through online banking or in branch. Member chooses disbursement date and account to which funds will be disbursed. Terms maybe 6 mo. to 5 yr. in duration. 5Experience Checking is for members age 50+ and a $1000 minimum balance is required to earn dividends. Certificates held by Experience Members earn 10 basis points over the current certificate rate upon renewal 6No minimum balance requirement. APY (Annual Percentage Yield) earned upon meeting minimum average daily balance of $1,000 or more, minimum of $250 in debit card purchases posted within the calendar month, one electronic (ACH) deposit and monthly use of Online Banking, eStatements and BillPayer (inactivity fees may apply). All requirements must be met on the same account. Dividends of 0.10% APY will be paid on non-qualifying accounts and on any portion of the average daily balance above $25,000. Fees may reduce earnings. One account per SSN. Contact Credit Union for details. Federally Insured by the NCUA.

Safety and Security

At our Credit Union, members’ shares (deposits) are insured by the National Credit Union Share Insurance Fund. The NCUSIF is an arm of the National Credit Union Administration, or NCUA, which is a federal government agency. Currently, properly established share accounts in federally-insured credit unions are insured up to $250,000. In April 2006, insurance coverage on certain retirement accounts, such as IRAs and Keoghs, was raised to $250,000.

In addition to insurance through the NCUSIF, Widget Financial is one of only 13 credit unions in Pennsylvania that provides all of its members with the benefit of Excess Share Insurance. Widget Financial provides $250,000 of additional private insurance on accounts that exceed the maximum level of insurance coverage provided by the National Credit Union Administration. Therefore, members are automatically insured up to $500,000 per account at no cost.

We are proud to offer this extensive level of safety and security to each of our members. Please contact us if you have additional questions about the level to which your deposits are insured.