Personal Savings
How Much Could You Earn?
Frequently Asked Questions
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How do I open a savings account?
You can open a savings account online, visit one of our branch locations, or contact us for assistance. If you're not already a member, you'll need to establish membership before opening your account.
Can I open a savings account online?
Yes. Eligible applicants can open a savings account online and start saving toward their financial goals right away.
What savings account options are available?
Family Trust offers a variety of savings solutions designed to help you save for short-term needs, long-term goals, and everything in between. Visit our Savings Accounts page to compare available options.
Do I need a savings account to become a member?
Yes. Membership requires a Membership Savings account, which establishes your ownership in the credit union and provides access to Family Trust products and services.
How much do I need to open a savings account?
Minimum opening deposit requirements vary by account type. Refer to the account details and disclosures for specific requirements.
Will my savings earn dividends?
Yes. Eligible savings accounts earn dividends. Rates vary by account type and are subject to change.
Can I access my savings online?
Yes. All Family Trust savings accounts include access to online banking and the mobile app, making it easy to monitor balances, transfer funds, and manage your savings anytime.
Are there monthly service fees?
Most Family Trust savings accounts do not have monthly service fees. Certain account types may have specific requirements or fees. Refer to the account disclosures for complete details.
Can I transfer money between my Family Trust accounts?
Yes. You can easily transfer funds between eligible Family Trust accounts through online banking, the mobile app, by phone, or at a branch.
How do I choose the right savings account?
The best savings account depends on your goals. Whether you're building an emergency fund, saving for a major purchase, or planning for the future, Family Trust offers options to help you reach your financial goals.
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Savings Designed Around Your Goals
Whether you're building an emergency fund, saving for a major purchase, planning for retirement, or teaching a child the value of saving, Family Trust has an account to help you grow your money with confidence.
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Plan for Your Future
Individual Retirement Accounts (IRA)
Build a Stronger Financial Future
Save for retirement with tax-advantaged account options designed to help your money grow over time.
Save for retirement with tax-advantaged account options designed to help your money grow over time.
Health Savings Accounts (HSA)
Save for Healthcare Expenses With Confidence
Set aside money for qualified medical expenses while benefiting from potential tax advantages.
Set aside money for qualified medical expenses while benefiting from potential tax advantages.
Education Savings Accounts (ESA)
Invest in Their Educational Journey
Save for future education expenses with a flexible account designed to help your savings grow.
Save for future education expenses with a flexible account designed to help your savings grow.
Savings Accounts That Help Your Money Grow
Whether you want to earn more, keep things flexible, or save for long-term goals, we have a savings account designed around you.
PayBack Savings
Earn More From Your Banking Relationship
Enjoy higher dividend earnings and rewards for keeping more of your financial relationship with Family Trust.
Enjoy higher dividend earnings and rewards for keeping more of your financial relationship with Family Trust.
Money Market Account
Grow Your Savings With Competitive Earnings
Earn higher dividends while maintaining convenient access to your funds as your balance grows.
Earn higher dividends while maintaining convenient access to your funds as your balance grows.
Prime Share Savings
Start Your Membership and Begin Saving
Open the account that establishes your Family Trust membership and helps you build a strong savings foundation.
Open the account that establishes your Family Trust membership and helps you build a strong savings foundation.
Certificates
Lock In Competitive Earnings for Future Goals
Earn a guaranteed rate over a fixed term while building savings for major purchases, milestones, and long-term financial objectives.
Club Accounts
Save Throughout the Year for Special Occasions
Set aside money automatically for holiday shopping, vacations, and other planned expenses without impacting your everyday budget.
Explorer's Youth Club Savings Accounts
Help Young Savers Build Healthy Financial Habits
Teach children and teens the value of saving with an account designed to make reaching goals rewarding and fun.
Why Members Love Certificates of Deposits (CDs)
They Earn Predictable Returns
Lock in a competitive rate and know exactly what your savings will earn.
They Have Flexible Term Options
Choose a certificate term that aligns with your timeline and financial goals.
They Save for Future Milestones
Build funds for major purchases, vacations, emergencies, or long-term goals.
They Enjoy Fee-Free Saving
Open and maintain your certificate with no ongoing maintenance fees.