Due to COVID-19, our branch lobbies will close on Monday, March 23rd, 2020, but remain operational. Our branches at Concordia Village, Mease Dunedin, and North Bay will be closed entirely.
Check out ways to access your account. Learn More. For ATM locations, via Presto! Visit ATM Locations.
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.
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.
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.
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
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
Requires a higher opening balance of $2,500.
Transactions must be in increments of $500.
Minimum $2,500 daily balance required to earn dividends.
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.
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government. Click here to learn more.
FiCare does not offer ATM cards. However, you can access both your savings and checking at an ATM using your FiCare debit card. Simply open a free checking account and request a debit card today.
