Saving Services Regular Savings � must have at least $5 in this account to do business at. Oshkosh Postal Employees Credit Union. Dividends are based on the daily balance in the account, paid quarterly and compounded quarterly. Need $75 to earn dividends. Christmas clubs - begin October 1 and end September 30. Dividends are paid on September 30 and then whole amount is transferred to the savings. That way the money is available when YOU want it. Clubs can be in any Amount. Savings Bonds sold and cashed in.                                  Share Certificates. From 3 months (90 days) to 36 months. We will try to match other rates and terms at other financials whenever we can. NEW Step-up feature on the 36 month certificate. Once during the term of the certificate, you may request to have your rate changed to the going rate at that time. It will not change the term, just the rate at that time. Check this one out!! Now offering Reward Pricing on the certificates we do not match rates on. Share Drafts (Checking). No minimum balance. No limit on the number of checks you write. No monthly fees. Cost of checks are usually cheaper. Checks within 10 days not 2-3 weeks. Night depository. MacCard (check card) with PULSE/CIRRUS access for faster/convenient service. Second Savings Account Same interest rate (dividend) and other features as Regular Savings Can be used for anything YOU want Can have as many �second savings� accounts as you may need/want Can have different beneficiary(ies) named. Even though the account must be set up the way the original or Regular Savings account is set up, you can name a different beneficiary(ies) for each different �second savings� account.