Regular Share Savings Accounts

Regular Share Savings Accounts in Northwest Indiana

At US #1364 Federal Credit Union, we’ve proudly helped members across Lake and Porter counties save smarter since 1936. Our Regular Share Savings Account makes it easy to grow your money securely while supporting a local credit union with convenient branches in Merrillville, Valparaiso, and Portage.

Opening a share savings account in Indiana is a smart way to build your savings while keeping your funds accessible whenever you need them. It works much like a traditional bank savings account—but with the personal service and member-focused benefits that only a credit union can offer.

Here’s what to know before you open your Regular Share Savings Account at US #1364 Federal Credit Union.

What Is a Regular Share Savings Account?

A Regular Share Savings Account is your foundation for membership at US #1364 Federal Credit Union—it represents your ownership in the credit union. Just like a traditional savings account, it’s a safe, convenient place to save money while earning dividends.

You can use it for your emergency fund or to save toward goals like a vacation, new car, home down payment, or other major purchase.

At the beginning of each month, dividends are applied to your account based on the previous month's average daily balance—giving you the benefit of compound interest to grow your savings over time. Dividends are paid monthly after the close of business on the last day of the month. A minimum balance of $50 is required at month-end to avoid a service fee.

Benefits of Choosing a Share Savings Account

Choosing a Regular Share Savings Account with your local credit union in Northwest Indiana means you’ll enjoy benefits such as:

• Credit Union Ownership: As a credit union member, you're also an owner. 
• Monthly Dividends: Earn competitive dividends on your balance.
• Low Minimum Balance: Only $50 required to avoid monthly fees.
• NCUA Insured: Your savings are protected up to federal limits.
• Local Access: Visit any branch in Merrillville, Valparaiso, or Portage or access your funds anytime through online and mobile banking.

Already saving with us? Simplify your spending with a Free Checking Account.

Start Saving with Your Local Credit Union

Contributing to a Regular Share Savings Account in Indiana is a simple, powerful way to reach your financial goals while keeping your money close to home. Whether you’re saving for emergencies, big purchases, or long-term stability, we’re here to help you succeed. It all starts with opening a share savings account today.

Stop by or call one of our branches in Merrillville, Valparaiso, or Portage to get started.

• Valparaiso - 334 W. US HWY 30 • Valparaiso, IN 46385
• Valparaiso Meijer In-Store - 405 Porters Vale Blvd. • Valparaiso, IN 46383
• Portage - 3275 Airport Road • Portage, IN 46368
• Merrillville - 8400 Broadway • Merrillville, IN 46410

Call: 219-769-1700 | Serving Lake & Porter Counties Since 1936

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