Achieving your life goals begins with a good savings routine. As your financial partner, we offer savings plans that encourage this healthy financial habit. Explore the variety of options created to fit your individual circumstances and goals.

 

Peace of Mind

Your money is safe at FiCare. Savings are federally insured by the National Credit Union Administration (NCUA).

Your Money Grows Faster

Benefit from competitive rates and interest that is compounded and credited monthly.

Easy and Convenient

With direct deposit, your savings can easily grow without a second thought.

 

Savings Account Options

 

Regular Share Savings

A basic savings account that makes you a member-owner of the credit union. We don’t charge a membership fee to join and the minimum balance is only $5!

Accessible When You Need It

Access this savings account at a FiCare branch, a CO-OP Shared Branch, an ATM, via Call 24, and through Online or Mobile Banking.

How It Works

  • No credit checks to join the credit union.
  • No membership fee.
  • No monthly fee.
  • Minimum balance of $5 is required to maintain your membership.
  • Unlimited deposits.
  • Minimum $500 average daily balance required to earn dividends.
  • Subject to Regulation D and other withdrawal limitations.

Secondary Savings

Allows you to split your savings for different purposes, such as emergencies, annual expenses, big-ticket purchases, and more.

Budgeting and Money-Management Tool

Instead of keeping all your money in one account, a secondary savings allows you to easily separate, track, and achieve each savings goal.

How It Works

Holiday Club Savings

Alleviates the stress and financial burden of the holiday season by ensuring you have money to spend when the time comes.

Designed to Encourage Saving

Deposits are locked in during the “Holiday Club Year.” An early withdrawal penalty feature motivates you to avoid using this money for other purposes. Funds become available for use just in time for holiday shopping!

How It Works

  • Get started with a $0 balance.
  • Minimum $500 average daily balance required to earn dividends.
  • The “Holiday Club Year” runs from November 1st through October 31st.
  • Allows unlimited deposits.
  • Funds automatically transfer to your regular share savings on November 1st.
  • An early withdrawal penalty applies for withdrawals throughout the year.

Vacation Club Savings

When you’re ready to escape the stress of the daily grind, you’ll have the funds you need to enjoy your hard-earned vacation to the fullest.

Easy and Convenient

Withdraw two times during the calendar year – you can choose when. An excessive withdrawal penalty for additional withdrawals gives you incentive to save.

How It Works

  • Get started with a $0 balance
  • Allows unlimited deposits
  • Withdraw free two times during the calendar year
  • Minimum $500 average daily balance required to earn dividends
  • Excessive withdrawal penalty applies for three or more withdrawals during the year

Money Market Savings

A high-yield savings that boosts your earnings while keeping your funds available for use.

Perfect Balance of Access and Earnings

This savings account earns more than most other savings options. Unlike a Certificate of Deposit, the funds in a Money Market Savings are available whenever you want to use them.

How It Works

Certificate of Deposit

A savings option that puts your money to work. It pays higher dividend rates so that your savings can grow and thrive.

A Flexible, Safe, and Competitive Investment

Invest in your future without risking your money. You can feel secure, knowing you will never lose the principal balance. Terms range from six months to five years to fit your circumstances.

How It Works

  • CDs pay higher rates than the other savings plans.
  • Get started with a $1,000 balance.
  • Funds are “locked in” until the CD matures.
  • Worry-free renewal at the current competitive savings rates (excludes special CDs).
  • Seven day period to decide if you want to renew the CD.
  • A penalty applies if the CD is closed before maturity.

Start Over
Tell us about yourself.
I would like help savings for a specific upcoming event.
I want to earn as much interest as possible.
I will not need access to these funds for a while so I’m looking for a good investment.
I tend to withdraw often from my savings account, usually each month.
What is the event?
Holidays
Vacations
Big purchase, such as a car or home
Other
How much do you currently have to save?
Less than $2,500
More than $2,500
How much do you currently have to save?
More than $2,500
Less than $2,500
How much do you currently have to save?
More than $1,000
Less than $1,000
How much do you currently have to save?
Less than $1,000
$1,000-$2,500
More than $2,500
What are your activity expectations?
I expected to need access to these funds in the next couple of months.
I will not need these funds for at least six months.
What are your activity expectations?
I expected to need access to these funds in the next couple of months.
I will not need these funds for at least six months.
Holidays Club

Holiday Club Savings Account

Vacation Club

Vacation Club Savings Account

Secondary Savings

Secondary Savings

Money Market Savings Account

Money Market Savings Account

Regular Share Savings

Regular Share Savings

Certificate of Deposit

Savings Questions

 

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