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 required to avoid monthly fee
- Higher yields than savings
- Greater liquidity than a certificate
- Add or withdrawal funds at any time without a penalty
Share 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
Speak with one of our Member Service Representatives 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 Account Rates
| Rates as of: 3/01/2022 | |||
|---|---|---|---|
| Dividend Rate | APY1 | ||
| Savings, Escrow & All Club Accounts | 0.05% | 0.05% | |
| IRA Accumulator | 0.05% | 0.05% | |
| Money Market Account (min $2,500 balance to avoid monthly fee) | .10% $0.00 up to $99,999 | .10% $0.00 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: 3/31/2025 | See Truth in Savings for Details | |
|---|---|---|
| Dividend Rate | APY1 | |
| IRA Accumulator | 0.05% | 0.05% |
| Three month SC & IRA | 2.75% | 2.78% |
| Six month SC & IRA | 3.25% | 3.30% |
| One year SC & IRA | 3.50% | 3.56% |
| One year Roth IRA | 3.50% | 3.56% |
| Fifteen SC & IRA | 3.25% | 3.30% |
| Eighteen month add-on SC & IRA | 2.00% | 2.02% |
| Two year SC & IRA | 3.25% | 3.30% |
| Three year SC & IRA | 3.00% | 3.04% |
| Four year SC & IRA | 3.00% | 3.04% |
| Five year SC & IRA | 3.00% | 3.04% |
*APY=Annual Percentage Yield. 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.
