At Cowlitz Credit Union you have several options for saving money. Whether you're saving for vacation or  retirement we have you covered. Your deposited funds are insured to at least $250,000 by the National Credit Union Administration, an agency of the federal government.

Let's take a look at your choices....

Regular Savings
This account is considered your membership account. A deposit of $25.00 is required, and once made this account makes you a member of our credit union. It's that easy. Dividends are are paid quarterly, and you will receive a quarterly statement showing you the activity on your account.

Checking
You'll discover exceptional value when you open a checking account at Cowlitz Credit Union. Unlike banks, our checking accounts are free of monthly service charges and yet they still provide the same conveniences when used with an ATM or Visa Debit Card. Your choices include:

Convenience Checking
This account provides you with free checking and no minimum balance requirement. There's no monthly service charge and you can open it with as little as $25.00. Overdraft Protection is available with our checking accounts, so you don't have to worry about NSF (non sufficient fund) charges again.

Premier Checking
This checking account pays you dividends when you keep a balance of at least $1500. With this account you'll also receive free money orders, travelers checks, and cashier checks. There's no monthly service charge and Overdraft Protection is also available.

Certificates
We offer several certificate options to choose from: Our Regular Certificates offer terms from 6 - 24 months with a minimum deposit of only $1000.  You may withdraw the dividends posted to these accounts, however withdrawals of principal before the term expires will be considered early withdrawals and will be subject to a 90 day interest penalty. We also offer Add-on Certificates for members that don't quite have $1000 to start with, but want to earn a better return on investment. You may start an Add-on Certificate for as little as $100 with terms from 6 - 18 months. Deposits can be made at any time, however early withdrawals are still subject to a 90 day interest penalty. This is a great account if your planning to save money for your kids college education. To check on the dividend rates we are currently paying on Certificates please click on rates.

Holiday Club Accounts
This account can be opened until October 31st of each year. You may come in and make deposits or set up payroll deduction and have your deposits made for you automatically! On the first business day of November these funds will be transferred into your Regular Savings account so you can begin your holiday shopping! Dividends are paid quarterly on this account.

MEMBERS Financial Services
Whether it’s stocks, bonds, mutual funds or insurance products you’re after, you can realize your financial goals with solutions tailored to your needs. For a no cost, no obligation meeting, contact Sophia Spencer, our MEMBERS Financial Services representative:  578-5335.  For more information about MEMBERS Financial Services, click the link below.

Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Insurance sold through licensed CUNA Mutual Life Insurance Company Representatives, and in New York, licensed insurance representatives of other companies. Nondeposit investment products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the credit union.
FR060330-7781

 Kirby Kangaroo Club 
This is a club account for children age 12 and under.  Kirby Kangaroo will help kids to learn the concept of saving money as well as having fun while doing it. Kids will receive a birthday card, a quarterly newsletter, and can participate in special contests and promotions created just for them. Accounts can be opened with as little as $5.00, however they must have an adult joint owner on the account. When they make deposits of $5.00 or more to their account they can earn "Kirby Credits" to collect and trade in for fun prizes.  

Smart Start
This account is geared for young adults that are just starting out. You become a Smart Start member by opening a savings account with as little as $5 (if 18 years old or younger). You are then eligible for a checking account, with no monthly service charge and free checks. If you qualify, you may also sign up for a Visa Debit Card to use ATM withdrawals and POS "point of sale" transactions.

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Check out these sites to find more smart financial advice for young people:

Smart Start Checking
The Smart Start Account is geared for young adults. This account offers free checks, no minimum balance, and no monthly service charge. Overdraft Protection can be provided by linking this account with a savings account. Visa Debit Cards are also available on this account for those who qualify. 

Money Market Investment
This account is for members that want a better return on their savings, without tying up their funds for a long period of time. You can make unlimited additions to this account, however there is a minimum withdrawal limitation of $500 or more. You may also make six transfers for withdrawals from this account per month.Dividends are paid monthly.