Savings

No matter what you’re saving for, Four Points Federal Credit Union is here to help you make the most of your savings with flexible savings accounts that fit your lifestyle.

Share Savings

Four Points Share Savings provides a competitive rate on your savings without the fees and limitations you may find elsewhere. Open a Share Savings Account and get these great benefits:

  • No minimum balance
  • No monthly service charge
  • Regular dividend payments help grow your savings
  • Track savings goal progress through Online and Mobile Banking
High-Yield Money Market

Get higher rates without the volatility. A Four Points Federal Credit Union High Yield Money Market Account produces rock-solid earnings without tying up your funds for long periods. It’s versatile, too, working nicely as a stand-alone saving strategy or a key piece of a balanced portfolio.

  • Money Markets pay higher dividend interest rates than most traditional Savings or Share accounts
  • Four Points offers a five-tiered Money Market interest rate structure, with bigger balances earning higher returns
  • Higher interest rates kick in at $25,000, $100,000, $250,000 and $500,000
  • Easy access to funds with Mobile Banking
Prime Money Market*

Make your money work harder with a Four Points Federal Credit Union Prime Money Market Account. Whether you use it as a primary savings tool or as part of a broader financial plan, it helps your money grow while keeping access easy.

  • Money Markets pay higher dividend interest rates than most traditional Savings or Share accounts
  • Competitive rate tiers tied to the Wall Street Journal Prime Rate ensure you always get current market rates.
  • Easy access to funds with Mobile Banking
Youth Savings Account

It’s important to teach good financial habits. One easy way to get your kids started on the right track is with a Four Points Federal Credit Union Youth Savings Account.

  • Designed for young people aged 18 and under
  • Perfect place for birthday cash, allowance money, and pay from part-time jobs
  • Youth accounts earn a premium dividend interest rate
  • Parents can track savings progress with Online and Mobile Banking
Product Amount Rate APY
Share Savings $1,000 or more 0.15% 0.15%
  Below $1,000 0.05% 0.05%
High Yield Money Market $500,000 or more 1.79% 1.80%
  $250,000 – $499,999 1.29% 1.30%
  $100,000 – $249,999 1.09% 1.10%
  $25,000 – $99,999 0.55% 0.55%
  Below $25,000 0.05% 0.05%
Prime Money Market* $20,000 or more 2.96% 3.00%
  Below $20,000 0.20% 0.20%
Youth Savings $5 or more 0.15% 0.15%

 

Disclosures: APY is Annual Percentage Yield.

*The rate of interest paid on the Prime Money Market account is calculated as Wall Street Prime – 3.203% on balances over $20,000 and Wall Street Prime – 7.00% on balances less than $20,000. Rates are updated on the 1st of the month following a change to Wall Street Prime. The minimum (floor) rate for the Prime Money Market account is 0.20%. The nominal (stated) rate and the corresponding annual percentage yield may change each month. There is no limit on the amount that the interest rate and APY may change. A minimum balance of $15,000 is required; if the average daily balance falls below $15,000, a monthly service charge of $25.00 will apply. Interest is earned on the entire account balance