Deposit Accounts

Share Savings Accounts

A minimum $5 deposit balance is all that is needed to establish a membership at CORE FCU. Share accounts do not have monthly maintenance fees. At CORE we make savings easy.


  • Competitive interest rates
  • NCUA Insured
  • Direct Deposit Available
  • Quarterly Account Statements
  • No Monthly Maintenance Fees

Credit Union Fee Schedule

Money Market Savings Account

CORE Federal Credit Union’s Money Market Savings Account gives our members competitive savings rates for higher balance accounts to provide more interest income while keeping funds fully accessible. The more members save, the more they earn with our tiered rate money market account.

Christmas, Vacation & Club Accounts

Club accounts are a great way to save for Christmas, vacations, or other upcoming expenses. Club accounts allow you to set money aside for planned expenses stress free! Club accounts require a minimum $5 deposit to open and have no monthly service fees.

Individual Retirement Accounts (IRA)

Save for the future with a CORE daily IRA account, where you can add funds often during the year instead of making a one-time deposit into a CD

Share Certificates/Certificate of Deposit (CD)

Share Certificates and IRA share certificates allow our members to lock in higher rates with terms to fit every member's savings needs. Certificates are available for a minimum $1000 deposit with terms ranging from 6 months to 48 months. Premier members* also receive a 0.10% bonus on their CD rate!

Automatic payroll deduction to savings accounts available

*Premier Membership requires a net pay or retirement direct deposit and an active CORE checking account.

Checking Accounts

No-Fee Checking Account

Our No-Fee Personal Checking Account offers many cost-saving, convenient features!


  • No Monthly Fee
  • No minimum balance requirements
  • Unlimited check writing with NO monthly maintenance fee or per check fees
  • Overdraft Protection (Line of Credit) available to qualified members
  • Free MasterCard check card offers a safe, convenient alternative to writing checks. It looks and works like a credit card, but automatically deducts funds from your CORE Checking Account, without increasing your debt! You can also use your card at ATMs 24 hours a day to get cash.
  • No-surcharge ATM withdrawals at more than 66,000 ATM’s nationwide
  • 24-hour access to online banking and telephone banking via EASY TEL at (315-656-EASY)

Reordering Checks Is Easy

Click here to reorder Harland Checks

Debit Cards

Looks like a credit like a check.

A CORE MasterCard Debit Card tied to a CORE checking account will give you an unbeatable combination! In today's fast paced 'Point of Sale' world, it is faster and more convenient to use a card rather than write a check. CORE MasterCard Debit Cards are accepted anywhere you can use a MasterCard, but the funds are deducted from your checking account.

There are many advantages to using a CORE Debit Card over writing checks. Consider some of these situations:

Traveling out of town?

Few merchants accept non-local personal checks for out-of-town purchases, but MasterCard is universally accepted. Before traveling, be sure to call one of our branches and notify us so our system will not flag out of town transactions as suspicious and ensure you have full access to your card while away.

Shopping on line or by phone?

You can finish your transaction and not worry about all the details of a C.O.D. or other checking account payment arrangements that may or may not be available.

Need cash?

Your CORE MasterCard Debit card doubles as an ATM card so you can get cash from automated teller machines everywhere, including our Sharenet Network.

Other Special Benefits of CORE FCU MasterCard Debit Cards:

For more information, please call 1-800-MasterCard.