Checking & Savings / Savings / Base Savings
Regular Savings
Unlock the perks of an FCCU membership
By opening this account, you are "buying" a $5 membership share of our financial co-op, making you a member-owner!
Special Savings
Organize your funds for simpler budgeting
Enjoy using savings "buckets" or the envelope method? Use this basic savings account to set money aside.
Christmas Club Savings
Save for the holidays all year
Reduce the temptation to spend your gift fund with this strategically restricted account.²
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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
|
Regular Savings |
Special Savings |
Christmas Club Savings |
|
|
Monthly Fee |
None |
None |
None |
|
Minimum Opening Deposit |
$5 |
$5 |
$5 |
|
Minimum Balance Requirement |
$5 |
None |
None |
|
Deposit & Withdrawal Limitations |
None |
None |
Early withdrawal fee Jan 16 - Sept 30² |
|
Dividends Compounded |
Quarterly |
Quarterly |
Annually |
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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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|
Account |
Rate |
APY¹ |
|
Regular Savings |
0.05% |
0.05% |
|
Special Savings |
0.05% |
0.05% |
|
Christmas Club Savings |
0.05% |
0.05% |
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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
Envelope Budgeting
Whether cash or a digital, the envelope budgeting method is guaranteed to help you manage finances like a pro.
Learn More 3 MIN READ
Holiday Budgeting 101
Take the time now to create a holiday budget and avoid a post-holiday spending hangover.
Learn More 3 MIN READ
Some restrictions apply. See current fee schedule.
[1] APY is Annual Percentage Yield. Rates accurate as of 7/1/2026.
[2] Christmas Club Savings: October 1 - January 15, no fee. January 16 - September 30, early withdrawal fee at $2.00 per draw.