Savings

We offer account options to fit all of your savings needs. From regular savings to Christmas Clubs, we can help you plan for your future, save for a rainy day or prepare for a special occasion. All of our savings options offer competitive rates and free account access with online banking.

Account Type	Features
Regular Savings	No monthly fee Minimum Balance of $5 Earns dividends on balances greater than $100 Can provide overdraft protection from your checking account Up to $1,000 of AD&D Insurance at no additional cost Open New Account
Super Savings	Earn higher dividends based on account balances $2,500 minimum balance
Minor Savings	$5 minimum balance Available for members under age 18
Club Accounts	Save for special occasions or designated expenses Saving is made easy with direct deposit or automatic transfers
Christmas Club	Save for holiday expenses Funds transfer to your savings account on November 1^st Saving is made easy with direct deposit or automatic transfers
Share Certificates	3-48 month terms $500 minimum balance
IRA Certificates	12-48 month terms $500 minimum balance
IRA Variable Accounts	Contributions made easy with direct deposit or automatic transfers No minimum deposit required

Rates

**Formation Credit Union will never call or text you to request your online banking login credentials, password, PIN, full account number, debit card information, or one-time security code.**

Your security is important to us. If you believe you may have shared information with someone suspicious, please contact us immediately so we can help protect your account.