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When you join Canyon State Credit Union, you become a member – you own your credit union and share the benefits of membership. A credit union share is valued at $5.00, which is the amount needed to establish a membership savings account.

Canyon State offers a variety of deposit accounts to help you meet your savings needs.

Set your goals and achieve them! We understand that every member has different goals and that is why we offer a variety of savings plans. Whether you're saving for your dream vacation, putting money aside for your children's college expenses, or investing for your retirement, Canyon State has savings and investment options that fit your lifestyle.

Open an Account

Membership Savings

Establish and maintain your membership with us by setting aside money in a savings account. Open your account with just $5.00.  Once you have a savings account with us, you can take advantage of our many member rewards. 

Youth Accounts

Begin encouraging a successful financial future when children are young. Open an account for your children or grandchildren, and help them start to learn the value of saving money. The minimum opening deposit for members under the age of 18 is $5. Start the habit of saving early!

Holiday/Vacation Savings

Save for an expensive gift or a vacation getaway! A club account is a savings account that is separate from your membership savings account. Take advantage of monthly dividends, no monthly fees, and no minimum balance! A Holiday/Vacation account is a special savings account a member deposits money into all year for seasonal use. The balance is distributed to the member during the first week of November. (No distribution is made on balances less than $5.)

Money Market

A Money Market Account pays a high dividend rate and is great for saving more money while still having convenient access to your funds.

Investment Certificates

Make your money work for you! An Investment Certificate is an investment that has a set term. We offer the following terms on our certificates: 6 months, 1 year, 2 years, 3 years, 4 years, and 5 years. Typically, the higher the amount deposited, the greater yield you will earn. Certificates are an easy way to grow your money faster!


Invest in your future! Apply for a new account or transfer from another financial institution. Four types of IRAs are available: Traditional, ROTH, Coverdell (Educational) Savings, and Simplified Employee Pensions. IRAs are also available in the form of an investment certificate. Ask your tax advisor about the possible tax benefits of opening an IRA.

Now is the time to save for your future. No matter what stage you are at in life, saving now with an IRA can better prepare you for your future. Whether you are just beginning your career, planning for your family, or getting close to retirement, it's never too late to start saving.

Why open an IRA:                                Moving your retirement:


A traditional IRA is an individual retirement account that allows you to save for retirement with tax-deferred earnings and the possibility of tax-deductible contributions.  These tax advantages make the traditional IRA a powerful tool in creating a balanced, long-term savings plan.

Traditional IRAs Q&A:


A Roth IRA is an individual retirement account that offers different tax incentives. Unlike a Traditional IRA, contributions to a ROTH IRA are never tax-deductible.  The money you contribute can be withdrawn tax free at any time.  And if you qualify, you can withdraw the earnings tax free too.

Roth IRA Q&A:                                       Converting into a Roth IRA:


Traditional IRA vs. Roth IRA:  Explore your IRA options!
Eligibility for Traditional vs. Roth:  Take a closer look!


An ESA can help you save for a child’s education expenses—such as tuition, fees, books, supplies, equipment, and in some cases, room and board.  With an ESA, you can make nondeductible contributions that may provide for tax-free withdrawals—including earnings—down the road.

Saving for Education:  Make the right choice for your child!


Simplified employee pension plans are available to all types of businesses, including sole proprietorships, partnerships, corporations, tax-exempt entities, and state and local governments.  They are simple to administer, less expensive to maintain and no government reporting.  Discretionary contributions from year to year, tax deduction for the employer on plan contributions and tax-deferred contributions and earning for employees.

Why a SEP:  Simplify saving for you and your employees!