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Accounts to Help You Achieve Your Savings Goals

The Savings (Share) Account is the primary account for every credit union member. When you open a Savings account and maintain a $5.00 minimum balance you become a member/part owner of the credit union.

Whether you're saving for a specific goal or for a rainy day, be financially prepared for whatever life has to offer. Florida Credit Union Savings accounts can help your balance grow so you can achieve your goals.

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Have Money Set Aside for Emergencies

Reduce anxiety at time of need

A savings account set aside for emergencies can help you cover costs that go beyond your monthly budget. It can also help if your income changes. Since you can’t predict the emergencies you’ll face, it is recommended to have three to six months of living expenses just for that purpose. 

  • Set goals and use our calculators to help you achieve them
  • Ability to arrange direct deposit or automatic transfers 
  • Savings tools are available in FCU Anywhere online banking
Piggy Bank at the beach

Holiday Club Savings Accounts

Set Aside for your holidays year-round

Holiday Club Accounts are ideal if you want to stop worrying about having enough money to buy gifts for family and friends and are tired of using high-interest credit cards for holiday purchases.  FCU offers Holiday Club Accounts with no minimum to open and no minimum to earn dividends. 

  • No minimum to open account each year
  • Ability to arrange direct deposit or automatic transfers
  • Balance automatically transferred to your savings account¹ on November 15th
  • Automatically renews each year
Piggy Bank at the beach

Vacation Club Savings Accounts

Plan Ahead for your vacation

Vacation Club Accounts are great if you are looking for a convenient way to save for vacation.  Planning ahead will avoid the anxiety of not having enough money for a vacation. Vacation Club Accounts are also great for stowing away money for the slow summer months, particularly for teachers or employees of seasonal businesses.

  • No minimum to open account each year
  • Ability to arrange direct deposit or automatic transfers
  • You'll receive part of your Vacation Club balance mid-July and the balance in mid-August²
  • Automatically renews each year
Teen paying with FCU debit card

Youth Savings Accounts

Never too early to teach your child financial skills

As a parent, life is all about teachable moments. FCU can help you educate your kids about money management with our financial products and education tools that are sure to please any parent. We offer growth-focused youth Savings Accounts for young savers. Teens ages 18 and up can open Youth Checking Accounts, which include a free Visa® debit card.

  • Minimum $5 to open account 
  • Link account to parent’s savings or checking account
  • Checking with Visa® debit card available to minors with parent signature
  • Use FCU FAM to manage allowance and chores
Women with money raining down

Money Market Accounts

Increase Your Savings Potential

Looking for a way to grow your savings faster, risk free? Florida Credit Union's money market accounts offer higher interest rates than most regular savings accounts.


  • $2,500 minimum investment to earn interest
  • Tiered rates mean bigger balances pay higher returns
  • Easy access to money

Other Savings Options for the Long-Term

Ask Florida Credit Union representatives about other savings options:

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Savings Calculator

Savings FAQs

Yes! The National Credit Union Administration (NCUA) insures all savings accounts up to $250,000.
You may not know this, but members of Florida Credit Union are owners of the credit union! A share account is a savings account that establishes your ownership of the credit union.
Our current deposit rates can be found here.
Our fee schedule can be found here.


1. Funds are directed to your Regular Savings.  Member can request the transfer be to another account like Checking.

2. In July, up to $1000 of the balance will be transferred to your Regular Savings. In August the remainder of the account is withdrawn. Member can request the transfer be to another account like Checking.

The calculator found on this page is for information purposes only. While the results of the calculator may be generally accurate, the results do not reflect any specific Credit Union accounts, loans or other products or services and may not exactly match the calculation methods used by the Credit Union (or any third party) for accounts, loans or other products or services. This calculator should be used only for general informational purposes and should not be relied on for any specific transaction.