Live, transparent rates
Checking & Savings Rates
Every checking and savings dividend rate we offer, in one place - Consumer, $mart, and Youth Checking, Primary, Special, Youth, and Christmas Club Savings, our High Yield Money Market, Share Certificates, and IRA Certificates. Figures below update live from the same rate feed used across fergusonfcu.org, so what you see here always matches what's posted.
Checking Rates
$mart Checking is tiered by balance.
| Account | Minimum Balance | APY** |
|---|---|---|
| Consumer Checking | $0 | 0.10% |
| $mart Checking | $0 - $20,000 $20,000+ |
4.88% 0.20% |
| Youth Checking | $0 | 0.30% |
Savings & Specialty
Christmas Club is tiered by balance.
| Account | Minimum Balance | APY** |
|---|---|---|
| Regular (Primary) Savings | $1,000 | 0.10% |
| Special Savings | $1,000 | 0.10% |
| Youth Savings | $0 | 0.25% |
| Christmas Club | $0 - $2,500 $2,500+ |
0.50% 0.20% |
High Yield Money Market
Tiered by balance.
| Balance Tier | APY** |
|---|---|
| $2,500 - $9,999.99 | 0.25% |
| $10,000 - $34,999.99 | 0.35% |
| $35,000 - $74,999.99 | 0.45% |
| $75,000 - $149,999.99 | 2.00% |
| $150,000+ | 3.00% |
Share Certificates
Fixed rate for the full term.
| Term | Minimum Deposit | APY** |
|---|---|---|
| 6 Months | $500 | 3.92% |
| 12 Months | $500 | 3.63% |
| 13 Months | $500 | 3.63% |
| 24 Months | $500 | 3.24% |
| 36 Months | $500 | 2.66% |
| 60 Months | $500 | 2.36% |
IRA Certificates
Tiered by balance.
| Balance Tier | APY** |
|---|---|
| $500 - $49,999.99 | 0.65% |
| $50,000 - $99,999.99 | 0.96% |
| $100,000+ | 1.27% |
Rates shown update live from our rate feed when it's reachable; otherwise these are our most recently published rates. Christmas Club and Money Market tier boundaries reflect published breakpoints - confirm exact thresholds with deposit operations before publishing. **APY = Annual Percentage Yield. Rates are variable and may change after an account is opened. Federally insured by NCUA.
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