Membership means Saving
Finances. Family. Future.
Membership starts with a Savings Account
What reason do you have to save? Our short and long-term personal savings accounts are designed to help you reach your financial goals. From traditional simple savings accounts to high-rate Share Certificates and Money Market Accounts, we have the solution to meet your savings goals.
Opening a savings account is just the beginning. As a member, you have access to all the benefits and resources Ferguson has to offer. Plus, being a member means your immediate family is eligible to join Ferguson.
Join Ferguson today!
Once a member, always a member!
Questions - Contact Us!
Being a part of the Ferguson family means:
Higher dividend rates
Fewer fees
Fast and accurate access to digital services
Hometown experience with tomorrow’s technology
All these choices and the best part is, you can have them all!
| Comparison | Primary Savings | Youth Savings | Special Savings | Christmas Club | Money Market | Savings Certificate |
|---|---|---|---|---|---|---|
| At a glance | A general-purpose savings account that is easily accessible and establishes your membership with Ferguson | Help kids learn the value of a dollar. Requires a parent or guardian as joint owner | What special occasion do you want to save for? You decide the purpose, set a goal, and watch your investment grow | Save all year little by little so you can spend smart during the jolliest time of the year | Save more, earn more with easy access to your funds | Lock in your dividend rate for a set period of time for greater savings rewards |
| Minimum Deposit Required to Maintain Account | $5.00 | $5.00 | $0.00 | $0.00 | $0.00 | $1,000.00 |
| Minimum Balance to Earn Dividends | $1,000.00 | $1.00 | $1,000.00 | $1.00 | $2,500.00 | $1,000.00 |
| Dividends Compounded | Monthly | Monthly | Monthly | Monthly | Monthly | Monthly |
| Withdrawal fee | None | None | None | $25.00 per trans | N/A | $25.00 fee plus penalty on interest paid |
| Special Features | Can serve as overdraft protection for checking | Earns dividends from the first dollar with a higher rate than the adult accounts. Start early, earn more | Easily accessible and separate place to track savings for special events | Set up auto transfers and save more for Christmas | Crossroads between savings, checking, and certificates. Save your way, withdraw your way | Lock in your rate, and no matter what the future holds, your rate does not change |
| Example of uses | Deposit 5% of gross income each month | Deposit birthday and chore money | Save for downpayment on car | Save $1,000 for Christmas by saving $83.33 each month | Save for a house or house repairs such as roof replacement | Save for retirement or a dream vacation overseas |
| Accessible via ATM | Yes with checking account and debit card | Yes with youth checking and debit card | No | No | No | No |
| Transfers available online | Yes | Yes | Yes | No | Yes | No |
| View account balances online | Yes | Yes | Yes | Yes | Yes | Yes |
| Federally insured by NCUA up to $250,000 | Yes | Yes | Yes | Yes | Yes | Yes |
Found Your Favorite
See more account details:
Primary Share Accounts
Youth Savings
Christmas Club
Special Share Savings
High Yield Money Market
Share Certificates