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Share certificate
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Whether you are looking for a safe haven for your nest egg or a place to start your first savings account, we have an array of options for you. We offer FREE Checking and IRAs, just to name a few.

Our savings accounts are federally insured to give you peace of mind.

Review each of these deposit accounts, then open those that best fit your needs.

Christmas Club

Our Christmas Club account is a smart and convenient way for you to save for the holiday season — or any other occasion for that matter. Make a daily, weekly or monthly deposit to ensure you have the funds you need when the holiday shopping season arrives!

Features included in the Club Account include:

         • June 1, 2024 - June 30, 2024

          • Penalty-free pay-out date: November 1st – December 23rd

          • Quarterly statement provided

          • Automatically deposit through payroll deduction  

          • $5 Minimum balance required

          • A $25 early-withdrawal fee helps incentivize Members to use the savings as intended.

Aqua Christmas ornament

Kids’ Club

The Fairfield Community Credit Union Kids’ Club is the easy way to teach kids how to save and manage money. It is important for children of all ages to learn the fundamentals of managing personal finances. FCCU invites all savers under 12 years old to join the Kids Club, a program designed to teach today's youth the merits of saving their money.

          • Membership is FREE!

          • Members receive gifts, prizes and more!

Existing Members ages 12 & under are automatically a Kids Club member. So come by today and pick up your FREE package.

For more information on how to join the FFCU Kids Club, please call.

Teen Club

Jefferson County youth, 13 -17 years of age, can develop good financial habits with budgeting, saving and decision-making by opening FFCU Teen Club Savings and FFCU Teen Club Checking account.

          • FREE Savings & Checking Accounts

          • FREE Visa Debit Cards

          • FREE Online Banking    

New Members of FFCU Teen Club must have a parent or legal guardian as a joint owner. Existing Members ages 13 through 17 will automatically be club members.

Pink piggy bank with coins falling into slot

Effective April 1, 2024 through Second (2nd) Quarter of 2024. Rates subject to change before the end of the quarter without prior notice.

†APY = Annual Percentage Yield. As high as based on tier, term, or other factors.

Information on this page is not intended as tax advice. Please contact a tax professional for advice on your situation.

Coverdell Savings Account

Gives flexibility to families saving for college tuition and other related expenses.

          • Up to $2,000 per year may be deposited for each child under age 18.

          • Anyone can make a contribution — parents, grandparents, relatives, or friends

          • Earnings and withdrawals are tax free if used for educational expense by age 30

          • Can be transferred to another child in family

          • 10% penalty if used for another purpose

          • These contributions are not tax deductible, but dividends earned are tax free.

          • Contributions can be made up to April 15th.

Investment Savings

Individual Retirement Accounts (IRAs)  offer unique and exciting savings opportunities based on your financial needs. Fairfield Federal Credit Union offers three options for you to choose which type of tax-advantage savings plan works best for you!

Traditional IRA

Contributions to this type of IRA may be tax deductible in the year in which the contributions are made, and taxes due on the earned interest are deferred until the funds are withdrawn.

Roth IRA

Contributions are post-tax and growth may be tax-free.

Since withdrawals are not reportable income, they will not affect your adjusted gross income during retirement. Contributions can be made after age 70½, and no withdrawals are required during the accountholder's life. Withdrawals from a Roth IRA are tax- and penalty-free as long as the account has been open for at least five tax years and you are either over 59 ½, disabled or buying a first home.

Contributions can be made up to April 15th for the previous year.

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*APY = Annual Percentage Yield. As high as based on tier, term, or other factors. All rates subject to change without prior notice.

Certificates of Deposit

To help you earn the most money, Fairfield Community Credit Union always offers exceptional rates on our Certificates of Deposit. Our Certificate terms range from 3 months to 2 years, giving you the freedom to choose which rate and term best fits your needs.

Share Certificates of Deposit

Share Certificates of Deposit are another great way to save. You can open a Share Certificate Account with a minimum balance of $1,000. Share Certificates of Deposit are also available with terms of 3 months to 24 months.

Our Share Savings Certificates provide competitive, fixed dividend rates for each term.

Share certificate

Share Savings Account

Our philosophy that Members actually own shares in Fairfield Community Credit Union led us to call these accounts Share Accounts. The name is unique, but a Share Account is essentially the same as a conventional savings account at any other financial institution. In order to continue FCCU membership in good standing, Members are required to maintain a minimum balance in their Share Accounts of only $5.00. In addition to FCCU membership, the Share Account entitles Members to dividends payments which are paid quarterly based upon the daily average balance method.

Become a valued Member of Fairfield Community Credit Union by opening your Share Account today!

As of the last dividend declaration date, 09-20-2023, the dividend rate for regular share accounts was .10% with an APY of .10%. Dividends are compounded quarterly. Dividend rates for each quarter are determined during the last month of the quarter, and the rate could be lower.

Money bag

FREE Checking Account

Fairfield Community Credit Union offers you the convenience of full-service features with our checking accounts, also known as share draft accounts. With your FCCU checking accounts, you will have NO monthly service fees, NO minimum balance requirements and NO per-check charges.

In addition, the Fairfield checking account provides these additional benefits:

          • VISA® Debit Card

          • No-fee credit union ATMS at three convenient locations and ATM services

            via CIRRUS® and PULSE® systems

          • Free box of FFCU checks per quarter for Members 60 years old or older.

          • Interest bearing/monthly dividends

          • Overdraft Privilege Protection

          • Mobile Banking

          • E-Statements

          • No charge on pre-authorized automatic drafts

          • Consolidated monthly statements

          • Direct deposit

          • Wire transfer of funds to an outside account

          • Stop payment

          • No monthly service charge

          • All accounts verified thru Chex Systems

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Dividends on all the above accounts are calculated by the average daily balance method.

Share TypeEffective DatesRateAPYCompounding
Share Draft $1,000+June 1, 2024 - June 30, 20240.00%0.00%Monthly
Share Draft Under $1,000June 1, 2024 - June 30, 20240.00%0.00%Monthly
TermMinimum to OpenNominal Rate*APYCompounding
3 Month$1,0000.03%0.03%Quarterly
6 Month$1,0000.06%0.06%Quarterly
12 Month$1,0000.09%0.09%Quarterly
18 Month$1,0000.12%0.12%Quarterly
24 Month$1,0000.15%0.15%Quarterly
Balance RequirementNominal RateAPY†Compounding
$25 - $20,0000.05%0.05%Quarterly
$20,001 - $75,0000.10%0.10%Quarterly
$75,000 and up0.20%0.20%Quarterly
Balance RequirementNominal RateAPY†Compounding
$25 and up0.05%0.05%Quarterly

Debit Cards with No Monthly Usage Fee

Stop paying monthly fees to use your debit card! With a FCCU Checking account you are free to use your debit card as often as you wish without any additional fees. Just sign up for your FREE debit card when you open your FREE checking account.