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FCEFCU Savings Accounts

Growing your nest egg is easy when you invest at FCEFCU. Your initial deposit of $5 into a savings account qualifies you for membership and grants you access to all its privileges.

As a member-owned financial institution, we return our profits to our members in the form of higher savings rates and fewer fees. Plus, your savings are insured up to $250,000 by the National Credit Union Administration, a U.S. government agency.

CD Savings from FCEFCUThe minimum deposit to purchase a certificate of deposit is $500. Interest is paid at maturity for 3, 6, and 12 month certificates. Certificates of 18, 24, 30, 36, or 48 months pay dividends and compound on a quarterly basis.

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Share Savings from FCEFCU

A bare-bones savings account doesn’t sound fancy, but you can set up a small amount of your direct deposit to go into one or more savings accounts and set aside a little each month for your dream vacation or a little extra holiday spending cash. It just makes sense.

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FCEFCU Student Loans

A higher-paying savings account set up in a child’s name with the parent as the joint owner. The parent retains full control of the account until the child turns 18. No withdrawal limitation but we encourage parents to use this account as a long term savings plan for their kids. This is an excellent account to use with automatic payroll deposit. Money saved in the college savings account can also be rolled in to share certificates with a minimum of $500 to earn an even higher return.

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Have you set up your Direct Deposit?
Use the ease of payroll deduction or direct deposit to build your savings. FCEFCU is set up to receive direct deposits from any employer, and we process all automatic debits free of charge.

Open an Account

In addition to our online services, deposits can be made in person, through an automatic payroll deduction, wire transfer, or through the mail. Withdrawals may be made in person, a mailed cashiers check, or via a wire transfer.

Questions? Don’t hesitate to call us at at 651.282.8880 or 1.800.551.1179 or send us an email.

Try Our Savings Calculator
Savings Calculator

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Savings Rates
Effective April 27, 2023

Quoted rates are subject to change without notice.



Annual Percentage Yield

Checking (no minimum balances, no fees)
     Up to $5,0000.10%0.10%
     $5,001 to $100,0000.75%0.75%
     Over $100,0001.00%1.00%
College Club Accounts
     Under $5000.00%0.00%
Share Certificates
     6 month ($500 Minimum)0.75%0.75%
     12 month ($500 Minimum)1.50%1.51%
     13 MONTH SPECIAL ($2,000 Minimum)4.00%4.07%
     18 month ($500 Minimum)1.75%1.76%
     19 MONTH SPECIAL ($2,000 Minimum)4.25%4.33%
     24 month ($1,000 Minimum)2.00%2.02%
     25 MONTH SPECIAL ($2,000 Minimum)4.50%4.59%
     36 month ($1,000 Minimum)2.25%2.27%
     48 month ($1,000 Minimum)2.50%2.53%
     60 month ($1,000 Minimum)3.00%3.04%


All Credit Union accounts insured to $250,000 by the National Credit Union Administration, a U.S. Government agency.

Please contact Caitlin or Tye for questions or additional information by calling 651.282.8880 or 1.800.551.1179 or send us an email.

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