Please select from the links below to learn more about our share accounts.

Share Savings Account  
Open your Share Savings Account with only a $5 deposit, the minimum to keep your membership active! The account pays dividends as long as a minimum balance of $300 is maintained. Choose payroll deduction, direct deposit or make deposits each week or pay period into your savings and watch your funds quickly grow. Click rates to view our current dividend rates.

Special Share Savings Account  
To help our members save for those special times, we offer Holiday, Vacation and Additional Share Savings Accounts. You can set aside savings while earning a competitive dividend rate. You may open additional Share Accounts for any purpose such as the purchase of a new car or down payment on a home or just to set aside money for a "rainy day".

Youth Accounts  
Children ages 0-17 may open a FREE Youth Account.  There is no minimum balance to recieve dividends.  Children may choose a sticker and a prize from our "prize box" after each deposit made.
Click below for eduacation tips on helping your child understand the importance of saving:
Stories About Money For Preschoolers
Tips For Teaching Preschoolers About Money
What Young Children Can Learn
17 Things a 5-Year Old Should Know About Money

Fun and Education for
Youth Account Members

Click below to view recent googleplex Newsletters:
Kids Newsletter
Middle School Newsletter
High School Newsletter

Holiday Club Accounts  
A Holiday Club Account can be opened at anytime throughout the year and requires no minimum balance. Earn dividends with a minimum balance of $25. Withdrawals can be made at anytime. In October, we will transfer your balance to your share savings account, share draft checking account or the funds may remain in your account for next year.

We offer these benefits on all of our share savings accounts:

• Competitive dividends, computed on the average daily balance and compounded monthly
• No monthly fees or maintenance charges
• Transactions can be completed in person, by mail or phone, ATMs, or electronically
• Your funds are federally insured by NCUA up to $100,000
• Save time and eliminate the hassle of making deposits with direct deposit of your payroll, Social Security, pension or any other recurring check
• Automatic transfer of your Credit Union loan payments

Value Checking  
You'll pay no monthly maintenance fees and there's no required minimum balance if you have Direct Deposit and an Olean Area FCU Visa Check Card (Debit Card).  Also, your first box of checks is FREE! (Specialty Blue only)

Share Draft Checking  
Say good-bye to high maintenance fees and all the hassle of other checking accounts. Save money and earn dividends on your balance with a Share Draft Checking Account with Olean Area Federal Credit Union. We offer these great benefits to our members:

• Earn dividends (when dividends are being paid) - with a minimum balance of $300. Click on rates for our current dividend rates.
• Low monthly service fee - $3 per month only if your balance falls below $300 anytime during the month.
• Free overdraft protection - You can establish a line of credit as a source of overdraft protection for your checking account.
• Federally Insured - Deposit accounts are all insured up to $100,000 by NCUA, a U.S. government agency.
• Senior Checking - no service charge for our members over age 65.
• YAP (Youth Advantage Program) - no service charge for our members age 17-21.
• First box of checks is FREE (Specialty Blue only)
• Easy Access - Enjoy the convenience of 24 hour access to your funds through:
  • ATMs - unlimited free Olean Area Federal Credit Union ATM withdrawals.
  • VISA Check Card - Use your card to make purchases or ATM withdrawals directly from your checking account at any merchant or ATM displaying the VISA logo.
  • Telephone Transaction Service - Access your account from a touch-tone phone: transfer funds, make loan payments, take an advance from your Line of Credit, receive transaction history and more!
  • Home Banking System - Access your accounts from the convenience of your home or office using a PC and the Internet 24 hours per day, 7 days per week.