Savings Accounts
FCN Offers Many Ways to Save
Whatever your savings goals, we have an account that will help you achieve them. In addition to our wide variety of savings accounts, we also offer:
Certificates of Deposit (CDs) – choose from a variety of terms.
Money Market Accounts – earn an even higher rate on your savings.
Individual Retirement Accounts (IRA) – put money away for your comfortable retirement.
Health Savings Accounts (HSA) – a great way to save for and pay for your medical bills.
Personal Savings Account
FCN Bank offers a full line of personal savings accounts to fit your specific savings goals plus the expertise to help you choose the right account. Using our Online and Mobile Banking it’s easy to manage your account and access your funds.
All of our savings accounts include:
- Quarterly or annual statements
- 24-Hour phone access
- Online banking available with sign-up
- Combined statements available with sign-up
SELECT SAVINGS
- Quarterly Service Charge: $5 (waived with average quarterly balance of $300 or more)
- Age range: ANY
- Opening Deposit: $25
- Debits: 6 free per quarter, $1 fee per debit after that
- Interest: Earned with daily collected balance of $100 or more. Variable rate, paid quarterly
- Paper Statement Fee: $5
- E-Statement: Free
STUDENT SAVINGS
- Quarterly Service Charge: $0
- Age range: Primary account holder must be between 0-17
- Must have adult on the account until child turns 18
- Opening Deposit: $25
- Debits: 6 free per quarter, $1 fee per debit after that
- Interest: Variable rate, paid quarterly
- Student Savings converts to Select Savings at age 18
- Paper Statement Fee: $2
- E-Statement: Free
Dollar’s Savings Club
Woof! Woof! My name is Dollar, and I am excited to tell you all about my savings club for kids ages 12 and under.
Let’s save together! Join Dollar’s Savings Club and you will receive:
- Dollar’s dog house bank
- Coloring and activity book
- Sticker
- Official certificate of membership stamped with Dollar’s paw print
Small toy from Dollar’s dog house every time you make a deposit (limit one per day) - Dollar’s Savings Club punch card. You will receive a punch for each deposit you make greater than $5.00 (one punch per day). Once you get all 10 punches you will receive a prize!
- Savings book to keep track of your money
- Tips on how to save your money
Dollar’s Savings Club is a great way to teach children about real world financial skills in a fun & friendly environment. Set your children on the right path to a lifetime of financial responsibility. Help them learn how to manage their money with a FCN Bank Dollar’s Savings Club Account.
Savings Account Rates
Current as of 2/26/2026
| ACCOUNT | APY* | RATE |
|---|---|---|
| Student Savings | 0.10% | 0.10% |
| Select Savings ($100 or more) | 0.10% | 0.10% |
*APY - Annual Percentage Yield
*Fees may affect earnings