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Loan Rates | Savings Rates

Savings Accounts

Inspire FCU savings accounts put your money to work for you! Whether you’re saving long-term or have a specific goal in mind, our flexible account options and competitive rates can help you achieve your financial goals!
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Premium Purple
Round Up Savings
Share Certificates
Regular Shares
Club Accounts
Youth Accounts
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Premium Purple

Earn the highest possible return on your money with full access to your funds!

Benefits:
Terms:
  • $5,000 minimum deposit

  • $15 maintenance fee if average daily balance falls below $5,000

  • NCUA insured

Please visit our rates page for dividend rate disclosures.
See our fee schedule for any applicable fees.

Money Market

Maximize on your earnings with full access to your funds!

Benefits:
Terms:
  • Six withdraws per month

  • NCUA insured

**The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. Consumer Money Market accounts, there is a minimum average daily balance of $5,000 required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated in the Rate Schedule. You may make six (6) transfers and withdrawals without a fee from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed six (6) transfers and withdrawals, your account may be subject to a fee.

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Round Up Savings

Round up your transactions to the nearest dollar and start saving!
Benefits:
Terms:
*When you enroll in the Round Up Savings Program, the Credit Union will round up the amount of any debit card purchases associated with your Everyday Checking account to the next whole dollar amount and transfer the amount in excess of the purchase amount from your checking account to your Round Up Savings account. The Credit Union will transfer the round up amounts from purchases when they post to your Everyday Checking account. If on a business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, the Credit Union will not round up the purchases. If your debit card purchase is subsequently cancelled or reversed, such as a returned purchase, the corresponding round up transfer will remain in your Round Up Savings account. Credit transactions, ATM-processed transactions, transfers between accounts, or adjustment transactions will not be rounded up. The Credit Union reserves the right to cancel or modify the Round Up Savings Program at any time. For a Round Up Savings Program, the Credit Union will match 100% of the round up amounts for the first 90 days of opening a new Everyday Checking account. Members with current Everyday Checking account or an existing checking account that is converted to an Everyday Checking account are not eligible for the matching. We reserve the right to convert the Round Up Savings account to a Regular Savings account if purchases are completed in a calculated fashion in order to increase the matching rewards and the rounded up transfers and the matching will be stopped. Members may only take advantage of the Round Up Savings matching feature one time. Round Up Savings accounts are not to be used for commercial purposes.

Share Certificates

We offer share certificates with competitive rates and flexible terms to fit you!

Special Promotion:

Earn 4.75% APY* on a 6 month Jumbo Share Certificate!

Benefits:
Terms:
  • $500 Minimum Balance to Open

  • Dividends paid quarterly

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Man throwing money into the air

Regular Shares

Your share in the Credit Union!

Benefits:
  • Make transactions using ATMs* or at any Inspire FCU branch.

  • Primary Basic Savings Account

  • No monthly service charge

  • Account may be accessed via ATM if it is linked to an active checking account and debit card

Terms:
  • No Minimum Balance to Open

Club Accounts

Save money for a specific purpose!
Benefits:
  • Holiday Club, Vacation Club, Secondary Savings

  • Accounts designed to help you achieve your short-term financial goals

  • NCUA insured to at least $250,000

Terms:
  • No Minimum Balance to Open

  • Holiday Club balance will be transferred to another account of yours on or after October 1st.

Please visit our rates page for dividend rate disclosures.
See our fee schedule for any applicable fees.

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Youth Accounts

Help someone small save for something big!
Benefits:
Terms:
  • No Minimum Balance to Open

Please visit our rates page for dividend rate disclosures.
See our fee schedule for any applicable fees.

Ready to save? We're here to help!

Fill out the form below and we’ll be in touch to get you started.

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