Savings Rates

                              The following rates are effective as of
AccountDividend RateAPY*Minimum Balance
Regular Share Savings
 0.20% 0.20% $5.00
IRA Savings AccountDividend RateAPY*Minimum Balance
IRA Savings- Plateau 1
 0.40% 0.40% $500
IRA Savings- Plateau 2 0.50% 0.50% $10,000
IRA Savings- Plateau 3 0.60% 0.60% $25,000
IRA Savings- Plateau 4 0.70% 0.70% $50,000
IRA Savings- Plateau 5 0.80% 0.80% $100,000
Money Market AccountDividend RateAPY*Minimum Balance
Money Market- Plateau 1 3.00% 3.05% $2,500
Money Market- Plateau 2 3.00% 3.05% $10,000
Money Market- Plateau 3 3.00% 3.05% $25,000
Money Market- Plateau 4 3.00% 3.05% $50,000
Money Market- Plateau 5 3.00% 3.05% $100,000
HSA AccountDividend RateAPY*Minimum Balance
HSA- Plateau 1 0.30% 0.30%  
HSA- Plateau 2 0.35% 0.35% $2,500
HSA- Plateau 3 0.40% 0.40% $5,000
HSA- Plateau 4 0.50% 0.50% $7,500
HSA- Plateau 5 0.60% 0.60% $10,000
Share Certificates²Term¹Dividend RateAPY*Minimum Balance
Money Market, HSA and IRA
6 mo 4.26% 4.26% $500.00
Money Market, HSA and IRA 12 mo 4.37% 4.37% $500.00
Money Market, HSA and IRA 18 mo 4.38% 4.38% $500.00
Money Market, HSA and IRA 24 mo 4.18% 4.18% $500.00
Money Market, HSA and IRA 36 mo 4.01% 4.01% $500.00
Money Market, HSA and IRA 48 mo 4.06% 4.06% $500.00
Money Market, HSA and IRA 60 mo 4.06% 4.06% $500.00
  • *APY = Annual Percentage Yield
  • *These rates may change at any time without prior notice. Fees may reduce earnings on the account.
  • ¹Number of months
  • ²Dividends are paid on the first day of each month to the members' regular share account. Dividends can not remain on account and a payout of dividends is mandatory.
    Early Withdrawal Penalties: Money market share certificates, HSA, and IRA certificates are subject to early withdrawal penalties. The owner contracts to keep the funds deposited until maturity. If any or all of the certificate principal amount is withdrawn before the Maturity Date, the credit union may charge a penalty. The penalty for early withdrawal is forfeiture of dividends equal to the lesser of dividends since date of issuance or 90 days dividends for certificates with original maturity of 24 months or less (2% of the certificate principal amount for certificates 36 months or longer in maturity).
  • Deposit accounts in Firefighters & Company Federal Credit Union are insured up to $500,000. This exceptional level of coverage is attained through a combination of federal insurance provided by the National Credit Union Administration (NCUA) and private insurance from Excess Share Insurance Corporation (ESI).