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Club Accounts & Trusts

Club Accounts & Trusts

Holiday Club Savings Account

  • Deposit money to save for the holidays
  • Payout date September 30th, funds available October 1st
  • No early withdrawal penalty
  • Dividends earned on balances of $100 or more

Back to School Club Savings Account

  • Deposit money to save for school
  • Payout date July 31st, funds available August 1st
  • No early withdrawal penalty
  • Dividends earned on balances of $100 or more

Kirby Kids Club Savings Account

Kids up to 12 years old are automatically included in our Kirby Kids Club.

  • Dividends earned on balances of $100 or more
  • Great way for kids to begin saving
  • Club membership card
  • Exclusive mailings and invitations to club events
  • Access to online games and activities that each kids about money
  • Free birthday gift

Living Trusts

A living trust, created while you’re alive, lets you control the distribution of your estate. You transfer ownership of your property and your assets into the trust. You can serve as the trustee or you can select a person or an institution to be the trustee. If you’re the trustee, you will have to name a successor trustee to distribute the assets upon your death.

The advantage of a living trust? Properly drafted and executed, it can avoid probate because the trust owns the assets, not the deceased. Only property in the deceased’s name must go through probate. The downside? Poorly drawn or unfunded trusts can cost you money and endanger your best intentions.

Funeral Trusts

Funeral Trust accounts are pre-funding of a funeral by depositing funds for the funeral expenses. The funds deposited do remain in the person’s name with the funeral home payable upon death.

Funds are deposited in an account (Certificate of Deposit) at the credit union. These accounts earn interest at the current rates and any interest earned is considered income and taxable with a 1099 Interest statement being sent out by us at the end of the year. Funeral trusts can either be revocable (you can change which funeral home the funds are payable to) or irrevocable (you cannot change which funeral home the funds are payable to.)

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