Regular Shares Savings: Open with as little as $25.00. Earn Quarterly dividends on a minimum average daily balance of $100.00 Special Shares Savings: There is no minimum deposit required. Earn Quarterly dividends on a mimimum average daily balance of $100.00 Individual Retirement Accounts (IRAs): Invest today for a better tomorrow with a Telco Plus IRA. With a minimum deposit of $500.00, choose from a 6,12,18,24,30-month CD. With a minimum deposit of $1,000.00, a 60-month CD is available. Member Money Fund: Enjoy a higher rate of savings. Open with a minimum deposit of $2,500.00 Christmas Club/Vacation Club Accounts: Need help saving for the holidays or a special getaway? Open a special savings club account with just $10.00. Earn Quarterly dividends on a minimum average daily balance of $100.00. Make regular deposits through payroll deduction for added convenience.