Rates Effective September 1, 2019

  • Fixed Rate Share Certificates
      Dividend Rate Annual Percentage Yield
    6 Month Certificate 1.00% 1.00%
    12 Month Certificate 1.75% 1.76%
    24 Month Certificate 2.25% 2.27%
    36 Month Certificate 2.50% 2.52%
    48 Month Certificate 2.75% 2.78%
    60 Month Certificate 3.00% 3.03%
    Youth Certificate – 12 Months 1.75% 1.76%
    Loyalty Advantage Certificate – 12 Months 3.00% 3.03%

    Rates, terms and conditions are subject to change without notice. $500 minimum deposit for all certificate products.

    Terms & Conditions

  • Fixed Rate IRAs
      Dividend Rate Annual Percentage Yield
    12 Month Fixed Rate IRA 1.85% 1.86%
    24 Month Fixed Rate IRA 2.35% 2.37%
    36 Month Fixed Rate IRA 2.60% 2.63%
    48 Month Fixed Rate IRA 2.85% 2.88%
    60 Month Fixed Rate IRA 3.10% 3.14%

    Rates, terms and conditions are subject to change without notice. $500 minimum deposit for all IRA products.

    Terms & Conditions

  • Variable Rate IRAs
      Dividend Rate Annual Percentage Yield
    Variable Rate IRA 0.80% 0.80%

    Rates, terms and conditions are subject to change without notice. $500 minimum deposit for all IRA products.

    Terms & Conditions

  • Checking Rates
      Dividend Rate Annual Percentage Yield
    Checking Account 0.05% 0.05%

    Rates, terms and conditions are subject to change without notice. $0 minimum deposit for our Checking Account.

    Terms & Conditions

  • Savings Rates
      Dividend Rate Annual Percentage Yield
    Share/Saving
    $5 Minimum    		 0.25% 0.25%
    Loyalty Select* 5.25% 5.38%
    Christmas Club
    $0 Minimum    		 0.25% 0.25%
    Money Market Plus
    $1,000 - $24,999
    $1,000 Minimum    		 0.60% 0.60%
    Money Market Plus
    $25,000 - $49,999
    $25,000 Minimum    		 0.70% 0.70%
    Money Market Plus
    $50,000 or more
    $50,000 Minimum    		 0.80% 0.80%

    Rates, terms and conditions are subject to change without notice.
    *Deposits can only be made by FFCU through qualifying or enrolling in a Loyalty Account Program.

    Terms & Conditions

The Par Value of a Membership is $5.00.

  Dividends Compounded Dividends Credited Dividend Period
Share Savings Monthly Monthly Monthly
Loyalty Select Monthly Monthly Monthly
Money Market Plus Monthly Monthly Monthly
Christmas Club Monthly Monthly Monthly
Checking Monthly Monthly Monthly
Fixed Rate Share
Certificates and IRA Share
Certificates		 At maturity for terms less than 12 months. Quarterly for terms of 12 months or more. At maturity for terms less than 12 months. Quarterly for terms of 12 months or more. At maturity for terms less than 12 months. Quarterly for terms of 12 months or more.
Variable Rate IRAs Monthly Monthly Monthly
Loyalty Advantage
and Youth Certificate		 Quarterly Quarterly Quarterly