FBFCU offers a variety of free account options to help you reach your goals. Open a Certificate to earn higher dividends while still receiving up to $250,000 in NCUA insurance on your funds.

Checking & Savings

  • No monthly service fees
  • Free It’s Me 247 Online Banking
  • Free Mobile App with Remote Deposit (1)
  • Free Debit/ATM card with access to over
    30,000 surcharge-free ATMs nationwide
  • Free Bill Pay (with checking)
  • Free Mobile and Text Banking (2)
  • Free eStatements, eNotices, eAlerts
  • Free Overdraft Protection
  • Free Direct Deposit
  • Easy online check ordering (with checking)

$5 minimum balance held in primary savings (Regular Shares) to maintain membership. Open up to 9 additional secondary savings accounts under the same member number.

Checking (Share Draft) has no minimum balance requirement.

IMMA (Money Market Savings) earns higher dividends if you maintain a minimum daily balance of $2,000.

Christmas Club available to help save for the holidays. Funds are transferred automatically to your designated account on September 30th. 

1. Standard data rates apply.
Standard messaging rates apply.


  • Terms are available from six months to five years
  • Minimum deposit of $500 required
  • Dividends are paid monthly and can be compounded
    or transferred to another account
  • A penalty may be accessed for early withdrawal

View Rates