Savings Accounts

Good savings habits are the cornerstone of financial responsibility.  We make sure you receive the best possible return on your money without giving up safety and security.

All of our savings accounts are federally insured up to $250,000 by the National Credit Union Administration. You have 24/7 access to your account through free Online Banking, at thousands of surcharge-free ATMs, and with Call 24 Telephone Banking. 

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Personal Savings
The Membership Share Account you open when you join Fibre Federal is a savings account that earns more than comparable accounts at most banks. You may open additional savings accounts to use for various goals, vacations, and other special purposes. You can even name them to help manage your money.

Youth Savings

Youth Savings
For members age 18 and younger, we offer two Youth Accounts. These accounts earn a higher dividend rate than Personal Savings on balances up to $10,000 to encourage our young members to make savings a regular habit. Balances above $10,000 earn the Personal Savings rate. Only one Youth Savings account is allowed per primary member. Primary member must be 18 or younger. It will automatically convert to Personal Savings the month after the member turns 19.

Money Market Savings

Money Market Savings
Want to earn a better dividend rate than Personal Savings without locking up your funds in a certificate? Money Market Savings gets the job done. Some types of fund transfers have a monthly limit, and other restrictions apply. (See current rates for more information.)

Holiday Club Savings

Holiday Club
Our Holiday Club makes it easy to save for the end-of-year holiday season. It's a Personal Savings account with an annual payout. Funds deposited to this account, plus the dividends earned, may be automatically transferred to your savings or checking account on November 1 of each year. You may use Payroll Deduction to automatically set a little aside each payday.

Education Savings Account

Matched Education Savings Account (MESA)
MESA Brochure The Matched Education Savings Account (MESA) program is helping hardworking students with limited incomes save for college expenses. For every $1 you save, the Northwest MESA program matches it with $3. Save up to $500 and you will be eligible for the maximum match of $1,500 for a total of $2,000, payable to your school!

You may be eligible if:

  • You are a member of a household with an annual income under a certain level*.
  • You have earned income.
  • You are an Idaho, Washington, or Oregon resident.
  • You are attending a post-secondary school in Idaho, Washington, or Oregon.
  • You are willing to save a minimum of $25 for six months.
  • You are willing to participate in MESA's personal money management training program.

*Household: individuals who share the use of a dwelling unit as primary quarters for living and eating separate from other individuals. Students who are claimed as dependents are considered part of their parents' household.

For more information, visit


Individual Retirement Accounts (IRAs)
In addition to our Traditional and Roth IRA Savings Accounts, most of our certificates may be used for IRA purposes.

All Fibre Federal IRAs feature:

  • Competitive dividends credited to your account monthly.
  • No annual fees.
  • The added security of federal insurance up to $250,000, in addition to federal insurance of at least $250,000 on your other deposits at Fibre Federal.
  • Potential tax benefits. Traditional IRAs can provide a current tax deduction and defer taxes on earnings. Roth IRAs can earn dividends tax-free and offer other advantages. Check with your tax advisor to see which type of IRA account is best for you and if you qualify for tax benefits.

Certificates & IRA Certificates
Earn high, guaranteed dividend rates with a certificate or IRA Certificate. We offer flexible certificate options that allow you to lock in competitive rates for terms of 6 to 60 months. You pick the term and maturity date that best meets your needs! Restrictions apply. See current rates for more information.

Save to Win

Save To Win Add-On Certificate
Save to Win Brochure You can win cash prizes just by making deposits to our 12-month Save to Win Certificate! Every $25 you deposit gains you another entry in Washington's prize drawings. (Maximum 10 entries per month. No limit on deposits.) Prizes are drawn each month and quarter ranging from $25 to $1,000. A total of $10,800 in prizes will be awarded in 2020. There's nothing to lose! Your deposits and the dividends you earn are yours, just like any other certificate. Click here for more information on the national Save To Win program. Download the complete rules here. 

Money Builder

Money Builder Certificate
This is a special 18-month certificate that you can open with as little as $100, then you can make unlimited additional deposits of $25 or more during the term. This is a great way to build savings over time while earning a competitive rate. Consider opening a Money Builder Certificate for your children or grandchildren!

Bump Up Certificate

Bump Up Certificate
We all know rates are bound to go up eventually. When that day comes, be ready with a 30-month Bump Up Certificate with a $500 minimum balance. If, during the term of your certificate the 24-35 month certificate rate increases, you are allowed to "bump up" your rate to the new rate once during the term of your certificate.