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Share Accounts

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Open a primary savings account today to become a credit union member and start saving. Minimum deposit is only $13.00!

To become a credit union member, open a primary savings account with a minimum deposit of $13.00. $10.00 is your “share” in the credit union and must remain on deposit to retain your membership; $3.00 is a new account set up fee. As a member, you share in the ownership of the credit union. Dividends are calculated on the account’s average daily balance. A minimum balance of $10.00 is required. Dividends are compounded quarterly and paid quarterly. You will receive a quarterly statement of transactions made to your account during the period.
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IOLTASavings

A savings account established for attorneys to deposit funds and generate appropriate levels of revenue to provide legal services to low income citizens. A minimum deposit of $12.00 is required. Dividends are paid monthly on the account’s average daily balance.
Rates Effective January 1, 2024

Money Market Account

  • $2,500 – $9,999
    .15 % APR .150% APY
  • $10,000 – $24,999
    .20% APR .200% APY
  • $25,000 +
    .30% APR .300% APY

Certificate of Deposit

MSFCU offers short and long term investments. Term Share Certificates are time deposits which require a minimum deposit of $1,000.00 or $2,500.00. Terms are available from six (6) months to three (3) years. Early withdrawal penalties apply.

Rates Effective June 1, 2024

  • 6 Month CD 2.50% APR 2.53% APY
  • 12 Month CD 3.25% APR 3.25% APY
  • 24 Month CD 3.00% APR 3.05 APY
  • 36 Month CD 2.50% APR 2.53% APY

IRAs

We have one of the best options to help wage-earners and spouses save for tomorrow’s retirement years while receiving possible tax benefits today. We have Traditional, Educational and Roth Accounts.
  • Dividends earned are tax-deferred.
  • Your contributions may be tax-deductible.
  • No monthly or annual fees.
  • Funds insured independently from other accounts up to $250,000.
  • Your choice of investment options; IRA savings or IRA certificates
  • Early withdrawal fee applies.

Holiday Account

The perfect way to save for the holiday season.
  • No monthly service charge.
  • Make regular deposits conveniently through payroll deduction.
  • Your balance is automatically transferred to your savings account each October.
  • Competitive dividend rate.
  • Early withdrawal fee applies.

Vacation Club

  • No monthly service charge.
  • Make regular deposits conveniently through payroll deduction.
  • Your balance is automatically transferred to your savings account each June.
  • Competitive dividend rate.
  • Early withdrawal fee applies.