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If you are looking for a safe place to put your money while also earning interest, a savings account with Christian Financial is a great place to start. With our Classic Savings account you can set aside funds for an emergency fund, your future, or your next vacation.


Christian Financial never limits the number of classic savings accounts that you can have! You can also apply for a CFCU debit card that gives you access to your cash when you need it!

Learn more about your savings options with our savings calculator.


Effective March 29, 2023

Share Accounts

  Dividend Rate APY* Minimum Balance
Savings** 0.05% 0.05% $100.00
Christmas Club** 0.25% 0.25% $100.00
Draft (checking) Accounts 0.00% 0.00% $0.00
Health Savings (HSA) 0.50% 0.50% $0.00
IRA Savings  0.50% 0.50% $1,000.00

*APY= Annual Percentage Yield. **If fees are applied, it may reduce the earnings on the account. Click here to view the full list of service charges & fees. The dividend rate is subject to change without notice.

Savings Service Charges

Excessive withdrawals on a Money Market account
(more than 6 withdrawals per month)
$3.00 per item
HSA set-up fee $20.00
IRA Savings inactivity fee (reviewed for activity between January 1 and December 31 each calendar year), effective for accounts with a balance less than $1,000.00 $40.00
IRA Certificate & IRA Savings closeout charge $25.00
See our Fee Schedule for other fees that may be assessed with your savings account.