Savings Accounts

Better Banking Starts at 360FCU

Choose An Account That Works For You    

At 360 Federal Credit Union, we offer a variety of accounts that are each uniquely designed to meet your specific needs. Spend smart and save even smarter – all with the help of 360FCU. Explore the savings, Money Market, CD and IRA account options below.

Whatever you’re saving up for – a rainy day, your next family vacation or your kids college fund, there’s an account that will help you make it all happen.

 

Explore Savings Accounts

Savings Accounts

Club Accounts (Holiday or Vacation)

Special Purpose Account 

IRA Accumulator Account 

 

Open a Savings Account Today

 

Money Market Account

With a Money Market Account from 360FCU, you earn a competitive interest rate that’s higher than your average savings account rate. Features also include:

  • $2,500 minimum balance, no fee
  • Higher yields than savings
  • Greater liquidity than a certificate
  • Add or withdrawal funds at any time without a penalty
Open an Account

 

Certificates 

Certificate accounts from 360FCU have terms ranging from 3-60 months. Let your funds grow without monthly fees or service charges. 

  • $1,000 minimum balance
  • Terms from 3-60 months
  • No monthly fees or service charges
  • iSave Youth Certificate available to members up to 18 years old
  • View our great rates on our 12, 15, and 24 month CD’s below.

Speak with one of our LSR’s today to open an account. Stop by a branch or call our Virtual Branch at 860-627-4200. 

 

IRA Accounts 

360FCU offers both Roth and Traditional IRAs to help you reach your retirement or savings goals. Consults with your tax advisor to determine which type of IRA is right for you.

The Details:

  • 3, 6, 12, 18, 24, 36, 48, or 60 month term
  • New money, rollover or transfer from a qualified plan
  • IRA Accumulator Account available

Traditional 

Save for retirement in the future and you may be able to trim your income taxes now.

  • Contributions may be income tax deductible (consult your tax advisor).
  • Pay tax only when you withdraw money with qualified withdrawals.

You can contribute when:

  • You received taxable income during the year, and
  • You wont reach age 70 1/2 by year-end

Roth

More flexible IRA and save more on taxes over time.

  • Contributions may be income tax deductible (consult your tax advisor)
  • Withdrawals are tax-free in retirement

You can contribute when:

  • You received taxable income during the year, and
  • You file taxes jointly, with an adjusted gross income below $188k, or
  • You file taxes individually, with an adjusted gross income below $127k

Depending on your income, your contribution limit may vary. 

 

Savings & IRA Accumulator Rates

Rates as of: 3/01/2022  
Dividend RateAPY1
Savings, Escrow & All Club Accounts0.05%0.05%
IRA Accumulator0.05%0.05%
Money Market Account
(min $2,500 balance to avoid monthly fee)		.10% up to $99,999
.10% up to $99,999
Money Market Account
(min $2,500 balance to avoid monthly fee)		.15% over $100,000.15% over $100,000

 

Share & IRA Certificate Rates

Rates as of: 10/31/2022See Truth in Savings for Details 
Dividend RateAPY1
IRA Accumulator0.05%0.05%
Three month SC & IRA0.10%0.10%
Six month Youth SC0.10%0.10%
Six month SC & IRA 0.10%0.10%
One year SC & IRA
1.75%1.76%
Fifteen month SC* & IRA.10%.10%
Fifteen month SC* & IRA (New Money Only)3.00%3.02%
Eighteen month add-on SC & IRA0.10%0.10%
Two year SC & IRA0.25%0.25%
Three year SC & IRA 0.50%0.50%
Four year SC & IRA0.50%0.50%
Five year SC & IRA0.75%0.75%
1) APY = Annual Percentage Yield.

 

*APY=Annual Percentage Yield. Special 3.02% APY applies to new money only, not available for funds currently on deposit at 360 Federal Credit Union. This offer may be revised or withdrawn at any time. Limited time offer. Membership eligibility required. Minimum balance of $1000 required. Penalty may be imposed for early withdrawals.