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Savings Accounts

Savings Accounts

Explore our different accounts below to see which one best fits your needs. Your funds are federally insured to at least $250,000 by the NCUA, National Credit Union Administration.  

  • Junior Sailors receive a savings card that is punched for every $10 deposited into their savings account.  
  • They also receive a prize every time they deposit at least $10 into their account (1 prize per visit).  
  • Every fully completed punch card ($200) is an entry into our year-end grand prize drawing for a gift card.  
  • The month of your birthday, they’ll receive a birthday card with a special surprise.

In addition to the benefits of a traditional savings account, teens can invest in a Teen Share Certificate! Earn 10% Annual Percentage Yield. For ages 13 to 18, with an $100 initial deposit and the ability to make additional deposits quarterly to a maximum of $1,000.  

Retirement Accounts

An Individual Retirement Account (IRA) is a type of retirement savings account that allows you to contribute pre-tax dollars. The funds in your IRA account may be tax-deductible and dividends tax-free until you withdraw from your savings. To be assured, contact your tax advisor. 

Health Savings Accounts

We offer a no-fee Health Savings Account (HSA) that is designed to help you take control of your health care costs by using pre-tax dollars to pay for future medical expenses.  

A Shipbuilders HSA provides you with protection from catastrophic medical costs, and a source of funds to pay some or all of the costs not covered by your health plan. You can contribute at any time during the year, and your HSA balance rolls over from year to year. Best of all, distributions from your HSA are tax-free if they are used for qualified medical expenses. 

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