Saving regularly can really add up to big things!

Check out all the different ways you can save at CFCU.


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Savings Features


Savings Account Options

Membership Savings*

  • This account represents your membership at CFCU. It is required for each member to have this account.
  • Low $5 minimum balance requirement.


Lucky Savers

  • A unique account where you have a chance to win money each month while you save
  • Cash Prizes ranging from $25 - $5,000
  • Every $25 deposited is a chance to win!*


*up to 10 entries a month


Goal Savings

  • Motivating, temptation-free savings.
  • No minimum balance required.
  • Choose a goal that you want to save for (wedding, vacation, a big project)
  • Choose the amount and time frame for your goal
  • Set up a Goal Savings with automatic regular deposits that will mature on the date you set.


Table data for Savings & Goal Savings Account Rates
 Rates as of 11/1/2022
Daily Balance Annual Percentage Yield (APY)1 Alert Me
Minimum $100 to earn APY 0.05% Receive a notification when this rate changes

Truth in Savings Disclosure

  • 1Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.
Table data for Lucky Savers Certificate - $25 minimum to open and earn APY
 Rates as of 11/16/2022
Term Annual Percentage Yield (APY)1 Alert Me
12 month 1.75% Receive a notification when this rate changes
The APY is fixed for the initial term. At renewal, the APY is variable and may change at this time. Fees may reduce earnings. A penalty will be imposed for early withdrawal.

Lucky Savers Truth in Savings Disclosure

See official rules here. For more information, please visit

  • 1Compounded Monthly


Other Great Ways to Save


Money Market

Earn a higher interest rate while still keeping your money liquid.




Earn a higher interest rate on your savings by keeping your money in the account for a specific period of time.



Dream Home Club 

A program for first-time homebuyers that are saving for a down payment




*Membership eligibility requirements apply.