Savings

NOTICE:

All member accounts are insured to $1,000,000 (one million dollars) - Federally insured by NCUA to $250,000 and insured up to an additional $750,000 by ESI, a private insurance company. Click here for more information.

Regular Share Savings

If you are looking for a simple savings account, our Regular Share Savings Account is the one for you. Our Share Savings accounts: 

  • Earn competitive dividends
  • Maintain safekeeping for your funds
  • Grants you full membership
  • No monthly service fee with eDocuments 
  • Open with $5.00 minimum deposit

Check Rates 

 

NGAGE Reward Saving Accounts

Our NGAGE Saving Account is only available to members with an NGAGE Spending account. These saving accounts earn a higher rate of interest when members qualify in their NGAGE Spending account. There are no penalties when you don't qualify for the higher interest tier. These exciting accounts earn 1.50% APY* on balances up to $25,000 and 1.50% – 0.70% APY* on balances over $25,000 depending on balance in account. (This blended APY calculation is based on an assumed total account balance of $25,000 plus $100,000 to be shown as a single figure (i.e. $125,000)). A balance larger than $125,000 will result in a lower APY. There is no penalty when members do not qualify. A non-qualified account will earn 0.05% APY*.
 
*Annual Percentage Rate. To qualify for the higher rewards in NGAGE Saving accounts, the NGAGE Spending account on the account must qualify. Only one account per social security number. Minimum deposit to open is $5. Fees may reduce earnings. No penalties on non-qualifying accounts. Member must enroll in eDocuments to keep and maintain an NGAGE Saving account. If an account is not enrolled in eDocuments, Family Savings reserves the right to convert the NGAGE Account to a Master Share account that may earn a lower interest rate and be subject to an account maintenance fee of $3 per month. 
 

Individual Retirement Accounts (IRA)

A Family Savings Individual  Retirement Account is the best way to prepare for the future, today. Open a Family Savings IRA with a minimum of only $100.00. Our IRA works similar to a share savings account and your money earns quarterly dividends. Most members qualify for tax advantages for the amount they deposit into a Family Savings IRA. Your IRA account at Family Savings is insured up to an additional $250,000.00 by the NCUA. For details about tax advantages, please consult your tax adviser. If you need more information about opening a Family Savings' IRA, contact Jennifer Smith at 256-439-5729 or 888-311-3728 ext. 5729. 

Explore Your IRA Options

Check Rates 

 

Share Certificates

  • As little as $500 opening deposit
  • Higher dividends than Regular Savings
  • Wide range of terms available
  • Fixed Rates for added guarantee
  • Retain NCUA Insurance 


Dollar Dog Kids Club

Teaching children the value of their money is a mission at FSCU.

  • Kids learn the value of saving early
  • Competitive Dividends
  • Making the Grade Rewards in February and June
  • No monthly service fee
  • Dollar Dog Clubhouse access with fun activities for kids


Cha-Ching Teen Club

  • Teens learn financial concepts
  • Teen-centric forum: blogs and videos
  • Making the Grade Rewards
  • No monthly service fees
  • Cha-Ching Teen Club access with videos & learning tools


Christmas Club Savings

  • Earn competitive dividends with balances over $2,000.00
  • Save little by little for Christmas
  • Payroll deductions available
  • $1 minimum to open and maintain account