Discover All the Awesome Account Options at F3 Credit Union!
Whether you’re opening your first savings account, prepping for retirement, or helping your kids learn about money, we’ve got the perfect accounts for every step of the way. Let F3CU be your trusted partner in reaching your financial goals!
Regular Savings Account
Get Started with the Essentials
Kick off your credit union experience with our Regular Savings Account! Enjoy better returns than you’d find at most banks, plus easy access to your money—including ATMs. This account is your ticket to all the perks of being a F3CU Member.
Sign up and maximize your peace of mind
Get started now by submitting your membership application.
Silver Express Account
Financial Freedom and Higher Returns for Members 62+
For our members aged 62 and over, the Silver Express Account offers a higher-than-usual rate of return on larger balances. This liquid account provides both flexibility and enhanced earnings, making it ideal for managing your retirement funds.
Unlock Your Silver Express Benefits Today!
Call us at (800) 696-6009 about our Silver Express Account.
Just for Kids!
Scottie Savers
It’s never too soon to show your kids how to save! With F3CU’s Scottie Savers account, kids 13 and under get rewarded for saving every month. They’ll score a $10 cash bonus each year and a free movie ticket on their birthday!
Parent, guardian, or qualifying adult must be joint on the minor’s account. In the case the account is opened by another qualifying adult, such as a grandparent or relative, the Parent/Guardian’s name and address will be required. F3CU will send a letter notifying the Parent/Guardian of the minor’s new account. The qualifying adult will have 30 days to provide the full address of Parent/Guardian, if it was not provided initially.
Unlock Your Scottie Savers Benefits Today!
Call us at (800) 696-6009 about our Scottie Savers Account.
Holiday Savings
Christmas Club Account
Imagine a holiday savings account that’s simple and hassle-free, ready when you need it. By setting up regular contributions throughout the year, you’ll receive a convenient check in November—just in time for your holiday shopping.
Start Stress-Free Holiday Savings Today!
Call us at (800) 696-6009 about our Christmas Club Account.
The Means for Long-Term Dreams
Certificates of Deposit (CDs)
At F3CU, our Certificate Accounts, commonly known as Certificates of Deposit (CDs), provide a safe and reliable way to grow your savings while earning substantially higher yields compared to traditional savings accounts. With flexible investment options and competitive rates, you can select the term and amount that best fit your financial goals.
Key Features of F3CU Certificates:
- Choose Your Investment Level: Whether you’re looking to start small or invest a larger amount, our Certificate Accounts offer flexibility. Choose the amount that fits your budget and financial strategy.
- Flexible Term Options: We offer a variety of term lengths to match your savings timeline.
- Substantially Higher Yields: Our Certificate Accounts offer higher interest rates than traditional savings accounts, ensuring your money works harder for you. The longer the term, the higher the yield, allowing you to maximize your returns over time.
- New Bump Up & Boost 24-month CD: Seize control of your CD rate by boosting it to a higher rate once or even twice during its term.
- New Jumbo 24-Month or 36-Month CD: Lock in a higher rate with our Jumbo-Sized 24/36-Month CD.
| Program | Min. Balance | Rate | APY |
|---|---|---|---|
| CD Rates | |||
| 24 Month | $2,000 | 3.25% | 3.29% |
| 24 Month Bump Rate | $2,000 | 3.00% | 3.04% |
| 24 Month w/Secure Checking* | $2,000 | 3.50% | 3.55% |
| 36 Month | $2000 | 3.00% | 3.03% |
| Jumbo CDs | |||
| 24 Month | $100,000 | 3.50% | 3.55% |
| 24 Month w/Secure Checking* | $100,000 | 3.75% | 3.80% |
| 36 Month | $100,000 | 3.25% | 3.29% |
Secure Your Future with Flexible IRA Options
Individual Retirement Accounts (IRAs)
At F3CU, we offer Individual Retirement Accounts (IRAs) available in both passbook accounts and Certificates of Deposit. Whether you’re saving for a secure retirement, a first home, or your child’s education, F3CU has the right IRA for you.
Key Features of F3CU Certificates:
- Traditional IRA: Benefit from potential tax-deductible contributions and no-fee withdrawals for higher-education expenses and first-time home purchases. Subject to certain conditions.
- Roth IRA: While contributions are made with after-tax dollar and aren’t tax deductible, the account offers tax-free growth and tax-free withdraws in retirement, provided certain conditions are met.
- Coverdell Education Savings Account: Start saving for your child’s education expenses early with a Coverdell Education Savings Account, which allows your contributions to grow tax-free. Withdrawals are also tax-free when used for qualified education expenses.
| Program | Min. Balance | Rate | APY |
|---|---|---|---|
| IRA Certificates | |||
| Traditional | $1,000 | 3.00% | 3.03% |
| Roth | $1,000 | 3.00% | 3.03% |
| Coverdell Education Savings | $1,000 | 3.00% | 3.03% |
| IRA Shares | |||
| Traditional | 2.25% | 2.27% | |
| Roth | 2.25% | 2.27% | |
| Coverdell Education Savings | 2.25% | 2.27% | |
Download the F3CU App
Manage your money better with our mobile banking app.
Download our banking app and manage your account, at home or on the go.
