Plan for Life’s Uncertainties with Team One Savings Solutions
Life often brings unexpected expenses—whether it’s a medical emergency, a car repair, or an opportunity you don’t want to miss. That’s why it’s essential to have a savings strategy in place. At Team One Credit Union, we offer a range of flexible and secure savings accounts tailored to help you reach your goals and protect your financial well-being.
Explore the full benefits of our savings solutions and start your journey toward financial confidence with Team One Credit Union today.
Our Regular Savings Account is the first step toward building your financial future and becoming a valued member of Team One. With competitive interest rates and full NCUA insurance, it’s a safe and convenient place to start saving.
Benefits Include:
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A reliable emergency fund to cover life’s surprises
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Easy access to funds at any Team One branch or ATM
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Online and in-person transfer capabilities
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Monthly dividends, calculated using the daily balance method
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Federally insured up to $250,000 by the NCUA
Start saving today and grow your financial security with confidence.
Eligibility
- Live, work, worship, or attend school in Michigan
- Live in Lee County or Collier County, Florida
- Or be related to a current member
Requirements
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Present a valid form of identification
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Make a minimum opening deposit of $5 (required)
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Maintain a minimum balance of $5 to keep the account active
Additional Savings Products and Services:
Save to Win: Build Savings and Win Cash Prizes
Saving money can be simple — and even fun. With Team One’s Save to Win program, every deposit helps grow your savings while giving you the chance to win cash prizes.*
Save to Win is a special 12-month certificate designed to help Members build consistent saving habits. For every $25 you deposit, you earn an entry into monthly and quarterly prize drawings — with prizes ranging from $25 up to $5,000.
Every deposit stays in your account and continues growing with dividends.
Save to Win is a great option for Members who want a fun, motivating way to start or strengthen their savings journey.
Key Features
• Start saving with as little as $25
• Earn entries into monthly and quarterly prize drawings
• No monthly fees
• Continue earning dividends while building savings
*Terms, conditions, and eligibility requirements apply. See Save to Win page for complete details.
Club Accounts: Purpose-Driven Savings for Life’s Special Moments
Our Club Accounts are ideal for members who want to save proactively for seasonal expenses and special plans—without accumulating debt.
Christmas Club Account – Save throughout the year and be financially prepared for holiday spending.
- Funds are disbursed at the end of October
Vacation Club Account – Build up travel funds steadily to enjoy your dream getaway without dipping into emergency savings.
- Funds are disbursed beginning of May
Key Features:
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No minimum opening deposit
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No monthly maintenance fees
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Earn dividends on all balances
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Unlimited deposits for maximum flexibility
Take the stress out of seasonal spending and enjoy the holidays and vacations you deserve.
Direct Deposit: Secure, Automated, and Hassle-Free
With Direct Deposit, your paycheck, Social Security benefits, or pension payments are deposited directly into your Team One account—safely and automatically.
Why Choose Direct Deposit?
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Access your money immediately on payday
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Split deposits among multiple accounts automatically
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Avoid delays and lines—your funds are ready when you are
Setup is Simple: Provide your employer or benefits provider with:
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Team One Routing Transit Number: 272484470
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Your Team One Account Number (or a voided check)
For Social Security deposits, enroll by calling 1-800-772-1213 or by visiting GoDirect.org.
Reminder: Use your MICR number for all direct deposit or automatic debit setups.
Payroll Deduction: Effortless, Automatic Saving
Payroll Deduction makes saving second nature. Authorize your employer to send a portion of your paycheck directly to your Team One account—or use it to make loan payments.
Advantages:
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Consistent, automated savings
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Ability to distribute funds to multiple accounts
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No manual transfers or extra steps
Get Started: Share Team One’s routing number (272484470) and your account details with your payroll provider.
Additional Services
Turn Coins into Cash
Bring your loose change to one of our convenient coin machines and walk away with cash in minutes! Available at these branches:
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Caro
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Sandusky
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Bay City
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Owosso
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Saginaw – Main
A 5% fee applies, but it’s waived for Members who maintain a minimum relationship balance of $2,500.
Protect What Matters Most
Enjoy peace of mind with a Safe Deposit Box at Team One. Whether it’s important documents, jewelry, or personal keepsakes, we’ll help you keep them secure. Available at:
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Bay City
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Saginaw Township
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Caro
Affordable yearly rental options:
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3" x 5" = $20.00
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3" x 10" = $35.00
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5" x 10" = $50.00
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10" x 10" = $100.00
Safe and Secure
All Team One savings products are federally insured up to $250,000 by the NCUA, ensuring your money is protected while it grows.