Safe deposit boxes provide a secure place for you to store valuable items or important personal documents. Available both at our main office and Screven Branch, we have safe deposit boxes in three different sizes. Annual rental fees range from $25.00 to $50.00

Please note the lessor does not provide insurance coverage for the contents of your safe deposit box.

Rocky Raccoon has his own club at Altamaha Federal Credit Union.

The Rocky Raccoon’s Club is available to all of our youngest members age 12 years and younger. The purpose of the Club is to teach children the value of saving and expand their knowledge of money and finances. The Club will help build a solid foundation for saving as our young members grow into adults.

Just bring your Social Security Number and a $5.00 deposit to the credit union, and you’ll receive your own dividend-earning savings account and a special Rocky prize. Once your account reaches a balance of $300.00 or more, you will receive a special prize.

Hurry! You don’t want to miss your chance to become one of Rocky Raccoon’s buddies. Rocky plans fun activities for Club members. Parents or guardians are strongly advised to encourage their children to save and watch their savings grow. Grandparents, aunts, uncles and other family members often give children money for their birthday and special events. Encourage your child to deposit this money or a portion of it into their Rocky Share Account to help them reach their savings goals.

For opening your account you will receive a free gift. When you reach $300.00 you will receive a special gift.

So save your pennies...and your parents' too...It all adds up!!!

Why not get started saving TODAY?

For more information on how to join Rocky Raccoon's Club, please call or stop by the credit union.

You can arrange to have your payroll, Social Security, pension or any other recurring check deposited directly into your Altamaha FCU checking or savings account. By doing so, you can eliminate the possibility of losing your check and avoid the need to stand in line to cash or deposit it.

Please contact us or view the FAQs page if you have any questions about direct deposit.

Traditional IRA

Altamaha FCU offers a share savings IRA that pays the same monthly interest rate as share savings accounts. Six month up to 48 month certificates are also available. A minimum of $1,000.00 is required to set up a share certificate and a minimum of $2,000.00 in an IRA share certificate.

Individual Retirement Accounts are a smart way to save for the future. A traditional IRA can be opened and funded without any employer participation. Contributions and/or earnings are tax-deferred until retirement. Unlike may employer plans, money in the account is always accessible; however, until the age 59 ½ there is a 10 percent early distribution penalty unless you qualify for an exemption due to one of the following: disability, qualifying education expenses, unemployment, qualifying first-home purchases, death, or receipt of your IRA assets in equal payments over your life expectancy.

Members under age 70 1/2 may contribute to an IRA at a maximum of $5,000 per year for tax years 2008 - 2010. Members over 50 may contribute an additional $1,000.00 as a catch-up contribution for 2009-2010.

For more information on a traditional IRA please contact the Member Services Department at the nearest branch office.
To view current rates click here.

Roth IRA

Roth IRAs differ from Traditional IRAs in that the money you contribute to a Roth IRA has already been taxed. So the principal amount is never subject to taxes or penalties in the future, as long as you stay within the contribution guidelines. This retirement plan allows the money you contribute to grow tax-deferred.

If you do not withdraw any of the earnings until you have had the plan for at least five years, or satisfy one of the qualifying events, those tax-deferred earnings become tax-free. Unlike the traditional IRA, there is no 70 1/2 age limit on making contributions. You simply need to have earned income equal to the amount you contribute up to a maximum of $5,000 per year for tax years 2008 - 2010. Members over 50 may contribute an additional $1,000.00 as a catch-up contribution for 2009-2010.

Click here for current rates.

* The Credit Union provides no legal advice to members, and provides the foregoing information from a reliable resource to give our members a basic understanding of these services. You should consult with your tax or legal adviser regarding any particular and the current status of applicable federal and state laws.

The National Credit Union Administration (NCUA) provides insurance coverage of up to at least $250,000 for your Credit Union account(s). To learn more about the type of accounts and the total amounts that the NCUA may insure visit NCUA.

Cruisers is a special club for our young adult members between 13 and 21 years of age, designed to help you prepare for the future with good savings habits and the start of great credit history.

You can:

• Open the account with just $25 and your social security number
• Earn dividends at our current share rates
• Gain access to fee-free checking accounts and your first order of checks is free
• Obtain loan options if you’re over the age of 18 years

So, cruise into the credit union today and start saving for tomorrow! Please contact us if you have any questions about Cruisers Club Accounts.

At Altamaha FCU, you can open a Christmas Club account and save for that special time of year. The Club year runs from November through October 31 the following year. Early withdrawals will be charged a $5.00 fee for each withdrawal. If a Club account is closed prior to the end of the Club year a $5.00 fee is assessed.

Features include:

• A competitive dividend rate
• No minimum balance required
• Access through Audio Response
• Quarterly statement
• Payroll deduction for convenient automatic deposit
• Deposits at credit union or by mail

Christmas club funds are disbursed electronically to Member's Primary Share Savings account on the first business day of November.

Please contact us if you have any questions about Club Accounts.

(Regular and IRA)

You can open a Regular Savings Certificate with a minimum balance of $1,000. Certificates are available with terms of six months to 48 months. Our Savings Certificates can be used for your Individual Retirement Account (IRA).

Features of our Savings Certificates include:

• A fixed dividend for the term of the certificate.
• Competitive dividend rates. Offered rates may change each week.
• One-month penalty for early withdrawal.
• May be used as collateral for a loan.

Please contact us if you have any questions about Savings Certificates.

Share and IRA Certificate Rates

Why not let us take care of those recurring transactions – and you just enjoy your paydays?

We can arrange, through your employer payroll office or by automatic transfer, to make your loan payments for you.

We can help you save on a regular basis with transfers to regular savings, Christmas Club, other special share accounts, you IRA shares, or put money into the kids’ account.

In addition, to saving you time spent making payments and deposits yourself, Payroll Deduction “never forgets.”

Please contact us for more information on payroll deduction.