Primary Accounts
| Account | Minimum Balance | APY** |
|---|---|---|
| Regular Savings | $1,000.00 | |
| Special Savings | $1,000.00 | |
| Youth Savings | $0.00 | |
| Christmas Club |
$0.00 $2,500.00 |
|
| IRA |
$500.00 $50,000.00 |
*$mart Checking limit for rate is $20,000.00. Balance over limit will earn standard published rate shown below.
Share & IRA Certificates (CDs)
| Account | Minimum Balance | APY** |
|---|---|---|
| 6 Months | $1,000.00 | |
| 12 Months | $1,000.00 | |
| 24 Months | $1,000.00 | |
| 36 Months | $1,000.00 | |
| 48 Months | $1,000.00 | |
| 60 Months | $1,000.00 |
*-Penalty for early withdrawal.
High-Yield Money Market Accounts
| Tier | APY** |
|---|---|
| $2,500 - $9,999 | |
| $10,000 - $34,999 | |
| $35,000 - $74,999 | |
| $75,000 - $149,999 | Call For Rate |
| 150,000+ | Call For Rate |
Rates and APYs accurate as of November 2022. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
LTV = Loan To Value
All rates are subject to change without prior notice. These rates replace any rates posted before the date listed above. Only Ferguson FCU members are eligible for these rates. A minimum Savings deposit of $5 is required for membership. Rates may be found online or by calling (601) 806-FFCU.
Dividends are compounded and paid monthly on Checking, quarterly on all Savings types. Dividends are based on credit union earnings at the end of the dividend period and are not guaranteed.
Specific loan rates are based on credit history, collateral details, and borrower history as determined by credit application process. Final rate will be determined after the application is reviewed. All loans subject to credit approval. All rates subject to change without notice.
We do business in accordance with Federal Housing Laws and Equal Credit Opportunity Act. All loans subject to credit approval.