Ferguson FCU | Savings Accounts - Higher Dividends, Fewer Fees
Ferguson FCUSmarter banking, made simple
Finances. Family. Future.

Membership starts with a savings account.

Our short and long-term savings accounts are built to help you reach your goals, with higher dividend rates, fewer fees, and a hometown experience backed by real technology. Opening a savings account is just the beginning - as a member, your immediate family becomes eligible to join too.

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Savings Account Rates

Dividends compounded monthly - several accounts are tiered by balance or term.
View all rates

Savings & Specialty

Account Minimum to Earn Dividends APY**
Primary Savings $1,000 -
Special Savings $1,000 -
Youth Savings $1 -
Christmas Club $0 - $2,500

$2,500+

-

-

High Yield Money Market

Balance Tier APY**
$2,500 - $9,999.99 -
$10,000 - $34,999.99 -
$35,000 - $74,999.99 -
$75,000 - $149,999.99 -
$150,000+ -

Share Certificates

Term Minimum Deposit APY**
6 Months $1,000 -
12 Months $1,000 -
24 Months $1,000 -
36 Months $1,000 -
60 Months $1,000 -

IRA Certificates

Balance Tier APY**
$500 - $49,999.99 -
$50,000 - $99,999.99 -
$100,000+ -
Rates shown update live from our rate feed when it's reachable; otherwise these are our most recently published rates. See the full Rates & Fees page for complete terms. Christmas Club and money market tiers shown reflect published balance breakpoints - confirm exact tier boundaries with deposit operations before publishing.

Which savings account fits?

Six ways to save, each built around a different goal.

Primary Savings

A general-purpose savings account that establishes your Ferguson FCU membership - easily accessible, and can serve as overdraft protection for checking.

  • APY-
  • Minimum to earn dividends$1,000
  • Best forBuilding your membership share

Youth Savings

Helps kids learn the value of a dollar - earns dividends starting with the very first dollar saved. Requires a parent or guardian as joint owner.

  • APY-
  • Minimum to earn dividends$1
  • Best forStarting the savings habit early

Special Savings

Pick a goal - a car, a wedding, a down payment - and track your progress in a separate account from your everyday savings.

  • APY-
  • Minimum to earn dividends$1,000
  • Best forSaving toward a specific goal

Christmas Club

Save a little every month so the holidays don't have to wait on a paycheck. Set up automatic transfers to stay on track all year.

  • APYup to -
  • Withdrawal fee$25 per transaction
  • Best forSeasonal, holiday budgeting

Money Market

A middle ground between savings and certificates - higher dividend potential on larger balances, with more flexible access than a certificate.

  • APY- - -
  • Minimum to earn dividends$2,500
  • Best forLarger balances that still need some access
Highest rate

Share Certificates

Lock in a fixed dividend rate for a term you choose - your rate won't change no matter what happens to market rates.

  • APYup to -
  • Minimum deposit$1,000
  • Best forLong-term savings you won't need soon

Quick FAQ

Short answers to the most common savings account questions.
A savings account offers flexible access to your funds and typically earns a variable dividend. A share certificate requires you to lock in your funds for a set term in exchange for a higher, fixed dividend rate. Certificates are best for long-term goals, while savings accounts are built for day-to-day flexibility.
A parent or legal guardian must be a joint owner on the account. Bring the child's Social Security number and a valid ID for the joint owner - you only need a $5 deposit to open the account.
Yes - select the account that fits your goals, complete the secure online application, and make your initial deposit, all from home. Once your account is open you'll have instant access to digital tools to manage your savings anytime, anywhere.

Open your savings account today

We'll help you find the account that fits your goal.

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Hours of operation

Monday-Thursday: 8:30am - 4:30pm
Friday: 9:00am - 5:00pm
Saturday: 8:30am - 12:00pm

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