Share Accounts

Ferguson FCU offers a wide variety of Share Accounts, all of which were created with the intention of offering the best possible options for our members.

  • No minimum balance requirements*
  • No minimum transaction requirements**
  • No monthly fees
  • Dividends compound monthly or quarterly
  • Special accounts assist in saving
  • Overdraft protection for Checking transactions
  • Overdraft privilege (based on credit eligibility)

*minimum Membership balance excluded

**Rewards Checking excluded

   Primary Share Savings

This account makes you a member-owner of FFCU and grants every member equal ownership of the credit union.

  • Direct Deposit
  • Direct payment to FFCU loans or accounts
  • Dividends post quarterly
  • Online and mobile app availability
  • ATM availability
  • Provides overdraft for Checking (optional)
  • Dividends increase by tiers based on deposit amount

    Special Share Savings

A safe place to hide your funds away and build your nest egg.

  • Automatic transfer capability
  • Online and mobile app transfer capability
  • Dividends post quarterly, mirror Primary Share Savings rate
  • No plastic availability (ATM)

    Christmas Club Savings

Set some cash aside for the holidays, and earn some dividends while you're at it.

  • Higher dividend than Primary Share Savings
  • Automatic transfer capability
  • No plastic availability
  • No online availability
  • Funds automatically transfer to Primary Share Savings on November 1 annually
  • Account does not automcatically close

Individual Retirement Arrangements (IRA's)

Reach your savings goals faster!


A Traditional or Roth Individual Retirement Account (IRA) is a great way to save for the future. An IRA allows you to take advantage of both long-term compounding and tax-deferred earnings growth to reach your savings goals faster.*


We can help you transfer money you may have in a retirement plan at a previous employer into a Rollover IRA to keep your money working hard for you. We're here to help you make smart financial decisions - and a Ferguson FCU IRA is a great place to start.


Traditional IRAs Roth IRAs Simplified Employee Pension IRA (SEP IRA)
  • Choose an IRA Savings account for greater flexibility.
  • No set-up or maintenance fees.
  • If you are under age 70.5, and earning a reportable income, you may be eligible to contribute up to $5,000 to $6,000 each year.
  • Contributions may be tax-deductable, depending on your income.
  • Earnings are tax-deferred until funds are withdrawn.
  • Dividends compound quarterly.
  • Select a Roth IRA Savings account for greater flexibility.
  • No set-up or maintenance fees.
  • Your income determines eligibility for opening a Roth IRA; contributions are not tax-deductable; $5,000 to $6,000 max each year, depending on your age.
  • Qualified withdrawals of earnings are not taxed.
  • Withdrawal may be made without penalty for purchase of your first home; restrictions apply.
  • Dividends compound quarterly.
  • Allows employer contributions to employee accounts.
  • Contributions are tax-deductible for employers but not for employees.
  • Earnings are tax-deferred for the account holder until withdrawn.
  • Dividends compound quarterly.
  • For 2010 & 2011, the contribution limits are the lesser of 25% of an eligible employee's compensation or $49,000. These contribution amounts are subject to Cost-of-Living-Adjustments (COLAs).


All FFCU deposited funds are federally insured by NCUA.

*Our IRA information is intended to provide general information concerning IRAs, it is not intended to provide legal advice or to be a detailed explanation of the rules or how such rules may apply to your individual circumstances. For specific information, please consult your tax or legal professional. See account disclosure for complete details.

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