Savings Accounts

Whatever you’re saving for, start somewhere.

Open an Account

Savings Accounts

Whatever you’re saving for, start somewhere.

Open an Account
Save for everyday 

or long-term goals.

Earn competitive rates 

and watch your money grow.

Savings Accounts

Whatever you’re saving for, start somewhere.

Open an Account

Save for the plans. And the just-in-cases.

Whether you’re building an emergency fund, planning for something big, or simply putting more away for the future, there’s a savings option for where you are and where you want to go. Financial Center gives you flexible ways to save, competitive rates, and guidance to help you get moving toward your goals.

Every savings story needs a starting point.

When you become a member, you'll automatically open a Starter Savings Account. It's the base of your membership at Financial Center. With Starter Savings, you can:

Become a Member
Keep money available when you need it
Build toward short- or long-term goals
Manage balances and transfers with Digital Banking

Big goals deserve bigger earnings.

Saving gets a little easier when you give your money a specific job. Holiday and Hideaway Savings Accounts create a little separation between everyday spending and the money you’re setting aside.

Holiday Savings Account

Set money aside throughout the year for gifts, travel, celebrations, and everything else the holidays bring. Your savings stay tucked away until November 1, when they’re deposited into the account you choose.

Hideaway Savings Account

Give bigger expenses their own place to build. Hideaway Savings limits you to three withdrawals per year without a fee, giving you a little extra motivation to leave your savings where you put them.

Different goals. Different ways to save.

Sometimes you need easy access. Sometimes you’re comfortable letting your money sit awhile. And sometimes you’re saving for something specific. Explore more ways to put your money to work.

Certificates

Lock in a competitive rate for a set term and know what your money is earning along the way. With multiple term options, you can choose one that works with your timeline. Plus, we offer HSA, IRA, and Business Certificates, too.

Money Markets

Keep your savings accessible while earning a competitive rate, with tiered APYs that can increase as your balance grows.

Health Savings Accounts

If you’re eligible for an HSA, set aside money for qualified healthcare expenses while taking advantage of potential tax benefits.1

Save to Win Certificate

Saving is already a win. This Certificate adds the chance for more, with guaranteed returns plus entries into monthly and quarterly cash prize drawings as your balance grows.

Extra protection for the money you’ve worked for.

Your savings come with an added layer of protection. In addition to standard NCUA insurance coverage, Financial Center provides Excess Share Insurance as a member benefit – helping protect qualifying deposits beyond federal coverage limits.

Still deciding? Let's explore your options together.

Certificates
Elevated Interest Checking
IRA
Money Market
Starter Savings Account
2.23%2
1.74%3
2.23%2
2.23%4
0.05%4
Minimum opening $500
Minimum opening $50; $5,000 average daily balance to avoid monthly fee
Minimum opening $500
Minimum opening $1000
Minimum opening $100
91 days - 60 months
N/A
91 days - 60 months5
N/A
N/A
Balance Inquiry Only
Yes
Balance Inquiry Only
Yes
Yes

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Frequently asked questions

View All FAQs

Opening an account for your child is a great way to start building healthy financial habits early. A parent or legal guardian must open the account with the child and provide the required identification and documentation, including:

  • A valid government-issued photo ID
  • Your Social Security number or Tax Identification Number
  • A $5 minimum deposit to open your child's Starter Savings Account

As your child grows, you'll continue to have access and oversight based on the account type, allowing them to build confidence managing money while you help guide them along the way.

Financial Center's routing number is 274073876.

Use this number to identify Financial Center as your credit union when making ACH or wire transfers, or setting up direct deposit.

Your eligible deposits are federally insured by the National Credit Union Administration (NCUA) up to standard insurance limits. Financial Center also provides Excess Share Insurance, giving members up to $500,000 in total eligible deposit coverage for added peace of mind.

Becoming a member is easy! You may be eligible if you:

  • Live or work in one of the Indiana counties we serve
  • Work for one of our Select Employer Groups
  • Have an immediate family member who is eligible or already a Financial Center member

Membership starts by opening a Starter Savings Account, giving you access to all of our products and services. You can become a member online or at any Financial Center location. Not sure if you're eligible? Contact us!

Saving for a goal starts with a plan. You can open multiple savings accounts for different goals, such as vacations, emergencies, or holiday spending, and set up automatic transfers from your Checking Account to help you stay on track.

Whether you're saving for something next month or years from now, small, consistent deposits can make a big difference. Within Digital Banking, you can also set up specific savings goals and track your progress towards those goals. 

Our team of financial coaches is always here to guide you with a plan that helps you chase down whatever's next in your financial life. 

Opening an account is simple! You'll need:

  • A valid government-issued photo ID
  • Your Social Security Number or Tax Identification Number
  • $5 minimum to open your Starter Savings Account

The right savings account depends on what you're saving for and when you'll need access to your money.

Whether you're building an emergency fund, saving for a future purchase, earning more with a Money Market or Certificate, or setting money aside for a big dream, Financial Center has a savings option to fit your goals.

Compare our Savings Accounts to explore features, benefits, and options, or contact us if you'd like help choosing the right fit.

Savings accounts earn dividends, which are similar to interest paid by banks. The amount you earn depends on your account type, your balance, and the current dividend rate.

Rates and Annual Percentage Yield (APY) are subject to change, and some accounts, like Money Markets, may offer higher dividend rates as your balance grows. Explore our rates page to learn how you can make more from your money.

A Money Market Account combines the flexibility of a savings account with the opportunity to earn higher dividends on larger balances.

With a minimum opening deposit of $1,000, you'll have access to your money when you need it while earning competitive rates. As your balance increases, you may qualify for higher dividend rate tiers.

If you're looking to grow your savings without locking your money away, a Money Market Account could be a great fit.

It depends on your savings goals and when you'll need access to your money.

  • A Certificate may be the better choice if you're comfortable setting your money aside for a fixed term in exchange for a guaranteed dividend rate.
  • A Money Market Account may be a better fit if you want to earn competitive dividends while keeping your savings readily available for planned or unexpected expenses.

Not sure which option is right for you? Our financial coaches are happy to help you compare your options and choose the savings solution that best fits your goals.

Savings? Check. Now, let’s talk Checking.

Your everyday account should work for your everyday life. Choose two Checking Accounts with different features and benefits, so you can find the one that feels just right for you.
Checking Options

APY – Annual Percentage Yield.

  1. For specific tax advice, please consult a qualified tax professional. 

  2. APY - Annual Percentage Yield: Rates and terms subject to change. Penalties assessed for early withdrawal. Fees may reduce earnings.

  3. APY - Annual Percentage Yield: Rates may change after account is opened. Minimum account opening deposit of $50 required. Rates and terms subject to change. Fees may reduce earnings.

  4. APY - Annual Percentage Yield: Rates may change after account is opened. Dividends paid monthly based on daily balances. Rates and terms subject to change. Fees may reduce earnings.

  5. Available terms vary. See current IRA rates and disclosures for specific terms, rates, and applicable withdrawal provisions.