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
Earn Cash Back
Your savings balance can help you qualify for Member Loyalty Cash! 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!
Link External Accounts
Connect your accounts from other financial institutions to see your full financial picture.
Track Your Spending
Use Spending Analysis and Spend Forecast to simplify how you manage your money.
Monitor Accounts
Access monthly E-Statements, filter transactions, create customized reports, and more.
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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
Investment Warning Signs and Red Flags
Learn how to identify the warning signs of bad or inappropriate investments.
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.