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Learn more about:
Building a Savings Plan

Download Quick Guide:
College Funding
Retirement Savings

Savings Accounts

Statement Savings and Super Saver Savings Account*

FMFCU's Statement Savings and Super Saver Savings Accounts offer everyone a way to start saving. These accounts are "share accounts" and represent each member's piece of ownership in the Credit Union. To establish membership, one of these savings accounts are required.

No minimum balance or monthly service fees
Competitive rates, including split rate tiers on Super Saver
Dividends are compounded and posted monthly
Free ATM access at all FMFCU ATM machines
24/7 access via our free e-Banking and Premier Access Telephone (PAT)

*Effective June 2007 the Super Saver Savings Account became the primary savings account for new members (over the age of 18) when they join and became available to all existing members. Limit one per member.

Start Smart Savings

FMFCU’s Start Smart Savings Account is designed to teach kids how to save. This account, which is set up like a regular savings account, will teach saving, sharing and spending. It also comes with a moon jar (piggy bank) to encourage daily saving. More importantly, Start Smart features educational opportunities to help your child learn financial responsibility.

No minimum balance or monthly service fee
Competitive rate
Dividends are compounded daily and posted monthly
24/7 access via our free e-Banking and Premier Access Telephone (PAT)

Coverdell Education Savings Account

Looking for a way to save for your child's education? The Coverdell Education Savings Account is a nondeductible account that features tax-free withdrawals to pay for a child's education expenses from primary school through graduate school. This account offers you:

Tax-free earnings
$2,000 annual contribution limit per child
Penalty-free withdrawals for qualified education expenses
Variable rate accounts with low minimum balance requirements
Certificates with terms from 3 months to 10 years
Frequently Asked Questions

Custodial Savings Accounts

It is never too early to teach your children the importance of savings. An FMFCU Custodial Savings Account may be the perfect tool to educate your children on financial responsibility. With a custodial account you are in control of the funds.

Here is how it works:

Your child is the account owner, but a parent, grandparent or other adult (18 years and older) is named as custodian. Of course the child can make deposits to the account, but only the custodian can make withdrawals. You, as the custodian, control the account until the child is 21 years old.*

No minimum balance or monthly service fees
Free 24/7 access via e-Banking and Premier Access Telephone (PAT)
Competitive rates
Certificate accounts available

* See Start Smart application for details.