At 1st Citizens Federal Credit Union you have several options for saving money. The first $25.00 that you deposit to your Regular Savings Account establishes your membership with our credit union. Once your account has been established you have the option of saving by Payroll Deduction, Automatic Transfers, by mail, or in person.

Please take a moment to review and compare our options for savings on the accounts listed below:

Regular Savings

To become a member of 1st Citizens Federal Credit Union you will need to open a Regular Savings Account with a minimum balance of $25.00. When this account has been opened you will be assigned a “member number”. You will have the option of opening up to ten sub-accounts using this member number, for a variety of other savings needs including vacation funds, emergencies, education, taxes, etc.

This account offers a very attractive rate of return on your savings, since it requires $1,000 to open and maintain as a minimum balance. You can make unlimited additions to this account, however there is a minimum withdrawal limitation of $100. You may make up to six transfers or withdrawals per month from this account. To check the dividend rate we are currently paying on Money Market Accounts simply click on Rates.

You can invest in a Time Share Certificate with as little as $500 and earn some of the best rates available. We offer a fixed interest rate for the term you have chosen. Our term options are 6 months, 12 months, 24 months, and 36 months. Dividends are paid quarterly, giving you the opportunity to take your earnings as a check, transfer it to another account, or leave it in your certificate to take full advantage of compounding. Certificates are subject to a penalty for withdrawals prior to the date of maturity. At 1st Citizens Federal Credit Union your funds are fully insured up to $100,000 by the NCUA. To check on the dividend rates we are currently paying on Time Share Certificates please click on Rates.

We offer several options for Individual Retirement Accounts, beginning with our Regular Share Retirement Account that can be opened with as little as $25.00. You can make contributions to this account throughout the year with interest compounding monthly. If you’re ready to set aside the maximum contribution for the year you may want to consider using one of our Time Share Certificates to get an even better return for your savings. The minimum to open a certificate is $500 with interest compounding quarterly. Additions to certificates are only allowed during the ten day grace period after the maturity date. There are no administration or set up fees and your funds are federally insured up to an additional $100,000 by the NCUA. We offer the same dividend rates as those listed under Time Share Certificates.

We currently have two options for Christmas Club Savings. Both options offer you the ability to make deposits either by mail, in person, or by payroll deduction. With our regular Christmas Club Account your funds are available to withdraw without penalty at any time. The balance of this account will automatically be transferred to your Regular Share account the first week of November each year. Our Christmas Club Time Share Account offers you a much higher rate of return for a term of one year. However there is a penalty on any amount that you withdraw from this account prior to the maturity date. You can open this account with as little as $25.00 during the months of November and December each year. When the certificate matures the funds are automatically transferred to your Regular Share Account for you to use for your holiday shopping. Please click on Rates for the current dividend rate we are paying on Christmas Club Accounts.

A great new way to save for your future! You can begin investing in a MoneyBuilder Certificate with as little as $25 and make additions of at least $10 anytime during the 18 month term. Deposits can be set up by payroll deduction or automatic transfer. A great option for IRA's! To check out the great dividend rate we are currently offering on this new certificate, simply click on "rates".