Checking & Savings / Savings / Compare Savings
High Yield Savings
Maximize your earnings with savings accounts that work better together.
TBD Savings
Kickstart your emergency savings
| Up to $1,000 | 5.12% APY¹ |
- Unlimited access to funds
- $5 to open
- No minimum balance
Goal Getter Savings
Save for something big
| Up to $15,000 | 3.56% APY¹ |
- Unlimited access to funds
- $5 to open
- No minimum balance
Next Step Savings
Save for your next steps
| Entire Balance | 3.00% APY¹ |
- Unlimited access to funds
- $5 to open
- No minimum balance
Certificates
Lock in a great rate
| 3-60 month terms | Up to 4.47% APY¹ |
- Limited access to funds
- $250 to open
Tax-Advantaged Savings
Strategically save for health, education, and retirement.
Health Savings Account
Save for qualified medical expenses
Coverdell Education Savings Account
Save for qualified education expenses
Individual Retirement Accounts
Save for retirement
Other Savings
Explore the rest of our unique savings options.
Change-Up Savings
Save when you spend and earn 2.00%¹
- Round up debit card purchases to the nearest dollar automatically
- Unlimited withdrawals
- No minimum balance
Money Fund
Grow your savings up to 1.50% APY¹
- Unlimited access to funds
- Unlimited check writing
- $2,500 to open
- $5 monthly fee; waived if balance $2,500
Saver's Sweepstakes®
Earn cash prize entries with every $25 you save
- Cash prize drawings up to $5,000
- Unlimited access to funds
- $25 to open
- $25 minimum balance
Regular Savings
Unlock the perks of an FCCU membership
- Unlimited access to funds
- $5 to open
- $5 minimum balance
Special Savings
Organize your funds for simpler budgeting
- Unlimited access to funds
- $5 to open
- No minimum balance
Christmas Club Savings
Save for the holidays all year
- Fee-free withdrawals October 1 through January 15
- $5 to open
- No minimum balance
Spot's Sensible Savings
Prize-based savings for ages 3-10
- Unlimited access to funds
- $5 to open
- $5 minimum balance
Some restrictions apply. See current fee schedule.
[1] APY is Annual Percentage Yield. Rates accurate as of 7/1/2026. See current rates.