Savings

At Foothill Federal Credit Union (FFCU), all your savings are federally insured up to at least $250,000 by the National Credit Union Administration, or NCUA.  Whether you're saving for a rainy day or for retirement, FFCU has the following savings account to fit your personal investment needs:

• Regular Savings Account
• Money Market Account
• SummerTime Savings
• Youth Savings Accounts
• Share Certificate and Jumbo Share Certificates
• Individual Retirement Accounts (IRA)

Checking

Which checking account is right for you?  Compare Checking Accounts

• Performance checking is ideal if you want great free services with no monthly fee.
• Prestige checking is the perfect choice for members who maintain a higher checking balance and want to earn interest.
• MyChoice Checking is great for those who want to maximize their investments with a checking account that earns interest.

Regular Share Savings

With a minimum deposit of $5.00, you can open a Regular Share Savings account to access all the benefits of membership. 

Features:

• No monthly fee  
• Earn competitive dividends on all balances over $150.00  
• Interest is calculated daily and paid monthly

Money Market Account

Earn our highest money market rates with a minimum balance of $1,000 without the risk and cost of a brokered account. This tiered account gives you the great advantage of rates automatically going up as your balance increases.

Features:

• No monthly fees
• Convenient - up to six transfers allowed per month
• Unlimited deposits and withdrawals

SummerTime Savings Account

Our SummerTime Savings account offers a higher dividend rate than our regular share account, and allows you to save money for the summer.

Features:

• Funds will be deposited automatically through payroll deduction or direct deposit only.
• Flexible penalty-free withdrawals allowed June 1- August 31
• Minimum monthly deposit is $50; Maximum deposit is $2,000 per month.
• All funds will be automatically transferred into your designated account on July 1, August 1, or September 1
• Variable Account (rate subject to change)

Our SummerTime Savings Account was designed especially for our school employees, although it is available to all FFCU members.

Share Certificates and Jumbo Share Certificates

A minimum deposit of $2,000 opens the door to higher yields and an outstanding selection of terms. Take your choice from flexible terms from 6 months or invest for the long-term of up to 60 months. We also offer Jumbo Share Certificates with even higher yields and the same term options for investments of $50,000 or more.

Individual Retirement Accounts (IRA)

Prepare for retirement with an IRA from FFCU.  Regardless of what type of IRA you want (Traditional, Roth, or Coverdell Education Saving Accounts), we offer competitive rates and flexible terms. And, there are no annual or maintenance fees.

What are the benefits of saving with an IRA?

• You receive a higher interest rate by saving with an IRA
• Monthly deposit amounts are flexible and contributions are not mandatory
• You may withdraw your principle at any time. However, the distribution may be subject to an early withdrawal penalty
• Early distribution penalties may be waived for medical, first time home buying and college expenses
• IRA accounts are insured by the NCUA