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Fremont Federal Credit Union Go to main content

Online Banking

Savings Rates

Share Accounts     Money Market Savings     Share Certificates

All dividends are calculated on the actual daily balance. Rates are subject to change. Fees may reduce earnings. Contact our Member Service Department at (419) 334-4434 in Fremont or (419) 849-2570 in Woodville in Clyde (419) 547-2348 or (419) 573-6310 in Port Clinton for more information.

Share Accounts
Effective Date: Friday, December 6th, 2019
NameAccount CodeNominal RateAPY*Min. Daily Bal to Earn DividendsMin Amnt to Open AccountDividends Compound & Paid
Share Account S1/S2 0.15% 0.15% $100.00 $25.00 Quarterly
Dollar Dog Kids Club Savings S1 0.15% 0.15% All Balances $25.00 Quarterly
Cha-Ching Teen Club Savings S1 0.15% 0.15% All Balances $25.00 Quarterly
Club Accounts S3/S4 0.15% 0.15% All Balances $0.00 Quarterly
Regular Checking S8 0.10% 0.10% $1,000.00 $50.00 Monthly
Premier Checking S50 0.10% 0.10% All Balances $50.00 Monthly
IRA Savings S7/S17 0.10% 0.10% $.01-999.99 $25.00 Quarterly
HSA Savings S57 0.20% 0.20% $1000.00 and higher $25.00 Quarterly
*APY=Annual Percentage Yield

Money Market Savings Account
Effective Date: Friday, December 6th, 2019
S9 Account Code
Nominal RateAPY*Min. Daily Bal to Earn DividendsMin Amnt to Open AccountDividends Compound & Paid
0.00% 0.00% $0-999.99 $1,000.00 Monthly
0.15% 0.15% $1,000 - 4,999 $1,000.00 Monthly
0.25% 0.25% $5,000 - 24,999 $1,000.00 Monthly
0.40% 0.40% $25,000 - 99,999 $1,000.00 Monthly
0.50% 0.50% $100,000 and higher $1,000.00 Monthly
*APY=Annual Percentage Yield

Dividend Information - dividends are paid on all share accounts and share certificate accounts are subject to Credit Union earnings and determined from the previous accounting period. Rates stated here are for previous periods or anticipated.

Share Certificates
Effective Date: Friday, December 6th, 2019
TermType of CertificateNominal RateAPY*Min. Daily Bal to Earn DividendsDividends Compounded
6 Month Regular/IRA 0.50% 0.50% $1,000.00 Daily
12 Month Regular/IRA 0.75% 0.75% $1,000.00 Daily
18 Month Regular/IRA 1.00% 1.00% $1,000.00 Daily
24 Month Regular/IRA 1.25% 1.26% $1,000.00 Daily
30 Month Regular/IRA 1.35% 1.36% $1,000.00 Daily
36 Month Regular/IRA 1.50% 1.51% $1,000.00 Daily
36 Month Freedom Regular/IRA 1.60% 1.61% $5,000.00 Daily
48 Month Regular/IRA 1.75% 1.77% $1,000.00 Daily
60 Month Regular/IRA 2.00% 2.02% $1,000.00 Daily
Dollar Dog Kids and Cha-Ching Teen Club members can open Share Certificates with a minimum deposit of $500. Freedom Certificates do not apply, the minimum deposit to open is $5,000.00 as stated above.
Jumbo Rates- $100,000.00 or more in one certificate- earn an added .15 basis points to the rate for the certificate maturity.
Features of the 36 Month Freedom Share Certificate include a one-time additional deposit and a one-time rate bump during the term.
IRA Certificates available in terms of 6 Months or longer. Share Certificate Specials are offered for IRAs at our discretion. *Annual Percentage Yield.

Deposits insured up to $250,000.00 per ownership type. IRAs insured separately up to $250,000.00 per ownership type. Learn more about insurance coverage at

Share Certificate Penalties - we may impose a penalty if you withdraw any of the principal before the maturity date. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: terms of 1 year or less = 90 dividend penalty; terms of more than 1 year = 180 dividend penalty.

Exceptions to Share Certificate Penalties - at our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction; where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment, or where the account is an IRA or Keogh and the owner attains age 59 1/2 or becomes disabled.

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