How to Get Started

It pays to keep your money local. Earn APY** when you use the features that come with your account.

Opening an Account is Easy

You can apply online within minutes!

 

Details

  • Free checking that pays high dividends
  • Earn APY** on average daily balances up to $20,000.00 when you meet basic qualifications
  • Earn APY** on balances over $20,000.00 depending on balance in account
  • Earn our base dividend rate if qualifications are not met
  • No monthly service fees
  • No minimum balance requirements
  • Unlimited monthly transactions
  • Free Digital Banking
    • Enroll in e-Statements to enjoy online bill pay for free
  • Free EMV Mastercard® Debit Card
  • Surcharge-free ATMs available
  • Reimbursement of up to $25 on foreign ATM fees
  • Overdraft protection available
  • $0.00 deposit to open
 

Earning Your Rewards is Simple

To earn your full dividends, you must perform the following activities every month: 

  1. Swipe your Ferguson FCU Mastercard Debit Card at least 10 times for a total of $150.00 throughout the month.

  2. Receive at least one ACH direct deposit into your checking account during the month.

  3. Sign up for e-statements from the Online Branch (click the Online Branch link for help with registration).

If you don’t meet your requirements for one month, you’ll still earn our base dividend rate, and monthly fees will apply. Call us at (601) 587-4037 if you have any questions.