Savings Accounts

Share Savings

An FFFCU savings, also known as a Share account, can be opened with a minimum deposit of $50. This represents your share and ownership in the credit union. Once you open a Share savings account, you can add other types of accounts to manage your money more effectively.

Share dividends are paid quarterly and updated monthly to ensure you are receiving the highest possible return on your savings.


Youth Savings/Eaglet Club

Teach your children ages 15 and under the value of savings. Sign them up for the “Eaglet” club.

To join, open an account with a minimum of $25 or, if you already have an account, call and sign up.

Watch for fun and exciting things to come to the club. Those who sign up or join will get an “Eaglet”. Get more information by clicking below.


Term Share Certificates

If you’re looking for a higher return on your savings, you may want to consider a “Term Share Certificate.” Generally our “Term Share Certificates” pay higher dividends than regular share accounts. Investing in a “Certificate” is completely safe and doesn’t require you to pay a sales commission. All you have to do is be willing to commit to a fixed term. Generally, the longer you’re willing to commit your money the more dividend you’ll earn.

Reasons to invest in a Term Share Certificate:

  • Higher dividend rate because you’re willing to commit to a fixed term.
    • Available in 6, 12 and 18 month terms.
  • Requires no sales commission.
  • Minimum investment is just $500.
  • Absolutely safe. Federally insured to $250,000 by the National Credit Union Administration.
  • There is a penalty for early withdrawal but you always have the option of borrowing against a Term Share Certificate.



Money Market Accounts

At FFFCU, we offer Money Market accounts that provide a higher rate of return than regular savings without the long-term commitment of a Certificate of Deposit. With a Money Market account, your savings is available when you need it with no penalty.


If you’re like most of us, you’re probably wondering how you’ll ever be able to retire. The economic challenges we’ve seen lately have certainly taken their toll on retirement accounts. At FFFCU we recognize this. That’s why we’ve worked hard to bring the most competitive rates to our IRA Accumulator and Certificate accounts. At FFFCU we offer the following IRA choices. Both will allow you to avoid the usual exorbitant fees often associated with an IRA.

Traditional IRA

There is no easier vehicle to defer taxes than a Traditional IRA.

Roth IRA

A Roth IRA allows you to save money on after tax earnings and avoid paying taxes on the interest earned.

There are advantages to both.

Just like you regular savings, all IRAs are federally insured to at lest $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.

For IRA limits and current contribution limits see the link below.

Savings Rates

Savings TypeMinimum BalanceDividend RateAPY
Share Savings$500.10%0.10%
IRA Shares - See CD Rates for additional options.$10.25%0.25%
Money Fund Savings
* Annual Percentage Yield. Rates as of January 1, 2019. Rates are subject to change without notice. Call to verify current rates.

Certificates of Deposit Rates - Regular CDs and IRA CDs

Savings TypeMinimum BalanceDividend RateAPY
Term Share Certificates
6 month term$10001.00%1.00%
1 Year Term$10001.90%1.91%
2 Year Term$10002.15%1.67%
3 Year Term$10002.30%2.32%
4 Year Term$10002.50%2.52%
5 Year Term$10003.10%3.14%
Special 5 Year Step Up***
5 Year Term$10003.15%3.19%
* Annual Percentage Yield. Rates as of January 1, 2019. Rates are subject to change without notice. Call to verify current rates.
** After reaching the minimum deposit, certificates may be purchased in any amount. Interest on certificates is paid to shares or to the certificate. If not notified within 10 days of the date of maturity, we will automatically renew it at the current rate for that maturity. The interest rate remains the same for the term of the deposit. There is a three month interest penalty for early withdrawals on maturities of 2 years or less and a 6 month penalty on maturities 3 years or more. You choose the term you need to meet your investment goals and your anticipation of the change in interest rates.
*** If rates go up you can “step up” to the higher rate one time over the life of the certificate. The “step up rate” can be adjusted to the new current 5 year certificate rate.