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Whether you’re building an emergency fund, saving for a vacation, planning for future expenses, or simply creating better financial habits, a Regular Savings Account2 helps you grow your money while keeping it available whenever you need it.
A Regular Savings Account is a simple, flexible way to save for life’s everyday goals and unexpected moments. Earn competitive dividends while keeping your money accessible when you need it.
A $5 Monthly Fee may apply but can be waived when qualifying account requirements are met2
Get access to eligible direct deposits up to two business days early and start putting your money to work sooner.1
Rest easy knowing your deposits are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law.
Open your Regular Savings Account online, visit a branch, or schedule an appointment with one of our team members.
| Account Type | Rate3 | APY4 |
|---|---|---|
| Regular Savings5 | 0.05% | 0.05% |
| Business Savings5 | 0.05% | 0.05% |
| $avvy $avings5 | 0.05% | 0.05% |
| Christmas Club | 0.05% | 0.05% |
| IRA Savings5 | 0.21% | 0.21% |
The right savings account is just the beginning. Explore additional products designed to help you make the most of your money.
Earn higher dividends while maintaining convenient access to your savings.
Lock in a competitive fixed rate and watch your savings grow with guaranteed returns.
Pair your savings with a checking account designed for everyday banking.
Explore calculators, articles, and educational resources to help you make informed financial decisions.
Have questions about Regular Savings Accounts? Whether you’re opening your first savings account or looking for the right place to grow your money, we’re here to help.
A Regular Savings Account is a great choice if you want to build an emergency fund, save for a vacation, prepare for future expenses, or simply create better saving habits while keeping your money accessible.
Both accounts help you grow your savings while earning dividends. A Regular Savings Account is ideal for everyday saving with a low opening deposit and easy access to your money. A Money Market Account is generally a better choice for members who maintain higher balances and want the opportunity to earn higher dividends.
Yes. Regular Savings Accounts earn dividends based on Floridacentral’s current declared rates. Dividends are credited to your account, helping your savings grow over time.
Yes. Deposits at Floridacentral Credit Union are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law.
You only need a $5 minimum opening deposit to get started. No checking account is required.
A $5 monthly maintenance fee may apply, but it’s easy to waive by meeting qualifying account requirements, such as maintaining qualifying balances, receiving direct deposits, or having an eligible Floridacentral loan or credit card.
Yes. Your money remains accessible, with unlimited in-person withdrawals and up to six electronic withdrawals or transfers each month.
Yes. Many members open multiple savings accounts to organize their finances for different goals, such as emergency savings, vacations, holidays, or future purchases.
You can open your account online, schedule an appointment, or visit any Floridacentral branch. It only takes a $5 opening deposit to get started.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you reach your savings goals.
1 Early Paycheck is available for members who have set up direct deposit with their employer or other payers to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 2 days earlier, however, we are dependent on the timing of your payer’s payment instructions, and therefore you may not always see your direct deposits arrive early. Terms are subject to change without notice.
2 Monthly Account Fee: This account may be charged a $5.00 monthly fee. This fee will be waived under any of the following conditions: The first 60 days for new accounts, or the primary member is under the age of 24, or the cumulative monthly average balance across all checking, savings, and Christmas Club accounts is $500 or more (IRA or Share Certificate accounts are not included), or monthly direct deposits total $500.00 or more in savings and checking accounts, or have an active loan, mortgage, or credit card. The Line of Credit (LOC) and Home Equity Line of Credit (HELOC) must have a balance. Credit cards must have a balance or a transaction in the last three (3) billing cycles.
3 Share account rates are declared at month end and are subject to change without notice. Maintenance or activity fees may reduce earnings on account. Contact Floridacentral for complete details. Rates effective as of September 30, 2026.
4 APY - Annual Percentage Yield. APYs are accurate as of September 30, 2026, and are subject to change without notice
5 Monthly Account Fee: This account may be charged a $5.00 monthly fee. This fee will be waived under any of the following conditions: • the first 60 days for new accounts, or • the primary member is under the age of 24, or • the cumulative monthly average balance of $500 or more across all checking, savings, IRAs, Share certificate, and Christmas Club accounts, or • monthly direct deposits total $500.00 or more in savings and checking accounts, or • have an active loan, mortgage, or credit card. The Line of Credit (LOC) and Home Equity Line of Credit (HELOC) must have a balance. Credit cards must have a balance or a transaction in the last three (3) billing cycles.