Checking & Savings / Savings / Next Step Savings
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Additional Benefits
NCUA Insured
Plus, with Excess Share Insurance, your deposits are insured up to $1,000,000! Learn More
Early Pay
Receive your paychecks or benefits up to two days early! Learn More
Member Loyalty Cash
Your balance can help you qualify for our year-end patronage dividend! Learn More
Save Automatically
Automate your savings and watch it grow with direct deposit! Learn More
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Monthly Fee |
None |
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Minimum Opening Deposit |
$5 |
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Minimum Balance Requirement |
None |
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Deposit & Withdrawal Limitations |
None |
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Dividends Compounded |
Monthly |
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Savings accounts that work better together
Maximize your earnings while maintaining 24/7 access to your money with our TBD Savings, Goal Getter Savings, and Next Step Savings accounts.
Here's how we recommend organizing your deposits:
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24/7 access to your accounts with digital banking!
Holistic Account Management
Connect your bank accounts from other financial institutions to see your full financial life in one place.
Financial Wellness Tools
Credit Score & More, savings goals, budget tracker, spending analysis, and more!
E-Statements
Skip the paper statements and go paperless.
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Savings Calculator
See how your money will grow and compare the impact of different interest rates and saving periods.
Learn More 1 MIN ACTIVITY
Is the Money in My Account Safe?
Yes! Thanks to the NCUA, a credit union is one of the safest places to store money.
Learn More 4 MIN READ
Emergency Funds
An emergency fund is a financial safety net that everybody should have for life's unforeseen challenges.
Learn More 3 MIN READ
Some restrictions apply. See current fee schedule.
[1] APY is Annual Percentage Yield. Rates accurate as of 8/3/2026.
[2] Comparison based on FCCU Next Step Savings, 3.00% APY as of 8/3/2026, vs. the bank national average savings, 0.38% APY as of 7/20/2026, sourced from the Federal Deposit Insurance Corporation.
[3] TBD Savings: Balances $0 - $1,000 earn a rate of 5.00%, 5.12% APY. Balances $1,000.01+ earn a rate of 0.05%, 0.05% APY. Rates accurate as of 8/3/2026.
[4] Goal Getter Savings: Balances $0 - $15,000 earn a rate of 3.50%, 3.56% APY. Balances $15,000.01+ earn a rate of 0.05%, 0.05% APY. Rates accurate as of 8/3/2026.