Share and Loan Rates

Ferguson FCU is a credit union unlike most others. While we share the philosophy of "people helping people" and the fact that we're a non-profit, community based cooperative, we're so much more than that.


Savings, CDs, and even our Checkings accounts pay higher dividend rates than you'll find anywhere else. We believe in giving back to you. We believe in growing with you, because if you're not growing, we're not either.


Loan rates are never, EVER, higher than 18% APR, no matter what your score is. We will never base your approval on your credit score. You are not that number. That number does not define you. We want to know your story and we will find the best way to help you.


Let's find the best ways to grow together!



APR = Annual Percentage Rate

Dividend Specials!

Money grows at FFCU!

Money doesn't grow on trees...but it does grow at Ferguson FCU! As we grow together, we believe in giving back to you in the form of dividends, lower loan rates, better facilities, and strong products. Below is a short list of some of our best rate specials, designed with you in mind!


Dividends are compounded and posted quarterly on Savings, IRAs, and CD share accounts. Annual Percentage Yield based on average daily balances. Minimum opening and maintenance balances.


24 month CD $1,000 min 2.00% APY
36 month IRA CD $1,000 min 2.00% APY


Savings Bonus tier 1

$5,000 min

0.50% APY*

Savings Bonus tier 2

$25,000 min

0.75% APY*

Savings Bonus tier 3

$50,000 min

1.01% APY*

IRA Savings $50,000 min 1.01% APY*
Federally Insured by NCUA                                   APY = Annual Percentage Yield


Rate-Sheet-December 2017.pdf
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