Savings Accounts

Share/Savings Account

This account establishes your membership in the credit union.  This account is required before any other products or services can be utilized.  This account allows you to save; and at the same provides you the flexibility of being able to withdraw funds when you need them.

Share / Savings Account
Opening Deposit: $25.00 Minimum
Minimum Balance: $25.00
Minimum Balance to Earn Dividends: $100.00 Average Daily Balance - Paid and compounded quarterly

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Christmas Club Account

An account designed to help you save for the holidays is the Christmas Club account. There are no minimum balance requirements and dividends are paid and compounded quarterly on average daily balances of $100 or more.  Funds are transferred to regular share/savings or draft/checking accounts the first of November.

Savings Bonds

United States Savings Bonds can help you reach your savings goals with safety, market-based yields, and tax benefits.  Interest earned on Bonds is exempt from State and local income taxes.  Federal income tax is deferred on bonds until maturity or redemption.   U.S. Savings bonds are backed by the full faith and credit of the United States.

Series EE bonds are purchased at one half of face value.  Series I Bonds are purchased at face value.

The U.S. Department of the Treasury ended over-the-counter sales of paper savings bonds at financial institutions.  However, Savings Bonds are not going away! Digital Savings Bonds can  still be purchased online at www.treasurydirect.gov.

Special Accounts

Special share/savings accounts can be opened for members who want to save for a specific purpose and keep the funds separate from their regular share/savings.  Members can personalize this type of account by naming it themselves.

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Organizational/Club Accounts

We welcome the opportunity to serve the savings needs of organizations and clubs in the community.

Organizational/Club Accounts
Opening Deposit: $25.00 Minimum
Minimum Balance: $25.00
Minimum Balance to Earn Dividends: $100.00 Average Daily Balance - Paid and compounded quarterly

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Children's Account

Introducing the Secret Savers Club!

The newly designed Savings Safari Club exclusively for younger members!

Secret Savers Club is the fun way to learn about savings!
Secret Savers Club is exclusively for members between 0 - 12!
The minimum opening deposit is only $25.00
The minimum balance to earn dividends is just $100.00

Savings Safari Club Members will advance to Secret Savers Club automatically January 1, 2018

Children's Account
Opening Deposit: $25.00 Minimum
Minimum Balance: $25.00
Minimum Balance to Earn Dividends: $100.00 Average Daily Balance - Paid and compounded quarterly

View Current Rates

Direct Deposit

You won't have to stand in line at Sterling & Fort Morgan FCU on busy paydays once you sign up for Direct Deposit or Payroll Deductions. Tell your employer how you'd like your money distributed and set up a specific amount to go to your checking or savings account. You'll rest easy knowing your money is where you need it, when you need it.

To start direct deposit, you'll need our Routing & Transit number 307077480.

Online Investments

Plan for your future with investment products. You can research investments and trade online.