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Rates

It pays to keep your money local. Earn 3.00% APY1 on minimum balances of $500 when you use the features that come with your account.

Key Features

  • Up to 3.00% APY 1
  • No Monthly Service Fees
  • EMV Debit Card
  • Digital Banking
  • Free checking that pays high dividends
  • Earn 3.00% APY on average daily balances between $500 and $20,000 when you meet basic qualifications1
  • Earn 0.25% APYon balances over $20,000 depending on balance in account
  • Earn our base dividend rate of 0.25% APY1 if qualifications are not met 
  • No monthly service fees
  • No minimum balance requirements
  • Unlimited monthly transactions
  • Free digital banking
    • Enroll in e-statements to enjoy online bill pay for free
  • Free EMV Mastercard® debit card
  • Surcharge-free ATMs available
  • Overdraft protection available
  • No minimum deposit to open

Earning Your Rewards is Simple

To earn your full dividends, you must perform the following activities every month: 

  1. Swipe your Ferguson FCU Mastercard debit/credit card WITHOUT using your PIN (use it as "credit" instead) at least 10 times for a total of $200 throughout the month.
  2. Receive at least 1 ACH direct deposit into your checking account during the month that totals $500 or more.
  3. Sign up for e-statements from the Online Branch (click the Online Branch link for help with registration).

If you don’t meet your requirements one month, you’ll still earn our base dividend rate. Call us at 601-587-4037 if you have any questions.

1Annual Percentage Yield based on average daily balances greater than $500. Compounds monthly.