Everyone needs a savings plan, whether saving a lot or a little,
or simply to be ready for emergencies. We make sure you receive the
best possible return on your money without giving up safety and
All of our savings accounts are federally insured to at least $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 Phone Banking.
The Membership Share Account you open when you join Fibre Federal is a regular 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.
Smart Start Savings
For members age 18 and younger, this account is the gateway to our three Youth Programs. This account earns a higher rate than regular savings on balances up to $10,000 to encourage our young members to make savings a regular habit. Balances above $10,000 earn the Regular Savings rate. Only one Smart Start Savings account is allowed per primary member. Primary member must be 18 or younger. It will automatically convert to Regular Savings the month after the member turns 19.
Money Market Savings
Want to earn a better rate than regular 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).
Our Holiday Club makes it easy to save for the end-of-year holiday season. It's a regular savings account with an annual payout. Funds deposited to this account, plus the dividends earned, may be automatically transferred to your Regular Savings or Checking account on November 1 of each year. You may use Payroll Deduction to automatically set a little aside each payday.
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:
Earn high, guaranteed 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.
- 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.
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!
Save To Win Add-On Certificate
Now you can win cash prizes just by making deposits to our new 12-month Save to Win Certificate! Every $25 you deposit to it gains another entry for you in Washington's prize drawings. (Maximum 10 entries per month. No limit on deposits.) Prizes are drawn each month.
There's nothing to lose! Your savings and the dividends it earns are yours, just like any other Certificate. For more information on the national Save To Win program, click here. For complete rules, click here.
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. It pays the same as our 24-35 month certificate. 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.
Contact Us to Open an Account