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Whether you’re just starting out, planning for the future or looking to save for something special, Family Security has the right personal savings account for you.

Primary Share Accounts

A Primary Share Account is required for membership. Dividends are paid on a monthly basis.

  • $25.00 minimum balance
  • Member voting rights

Daily Action

With this interest-bearing account, Family Security pays you interest on the money in your account, similar to interest earned on a savings account.

  • No monthly service fee
  • $2,000.00 minimum balance to earn dividends
  • Unlimited in-branch transactions
  • Up to six preauthorized or check withdrawals per month

Club Accounts

Our club accounts are a great way to save money for that vacation you've wanted to take, or to have cash for the holidays. Club accounts earn dividends the same as a Primary Share Account. Assign the name of your choice to the account and watch your money grow.

  • No minimum balance required
  • $25.00 minimum balance to earn dividends
  • Make deposits and withdrawals anytime you choose
  • No penalties

Coverdell Education Savings Accounts

This account is a savings account designed to help parents and students save for education expenses. The total contributions for the beneficiary of this account cannot be more than $2,000 per year, no matter how many accounts have been established. A beneficiary is someone who is under age 18 or is a special needs beneficiary.

  • Contributions are not deductible
  • Amounts deposited in the account grow tax free until distributed
  • The beneficiary will not owe tax on the distributions if they are less than a beneficiary’s qualified education expenses (This benefit applies to qualified higher education expenses as well as to qualified elementary and secondary education expenses.)

Health Savings Accounts

Health Savings Accounts (HSAs) are tax advantaged custodial or trust accounts established with a written agreement and are used to accumulate savings to pay for health care expenses.  HSAs are operated like IRAs but for health purposes.

  • Contributions made by or on behalf of the HSA owner (excluding employer contributions) are tax deductible by the HSA Owner on federal and some state tax returns
  • The earnings in an HSA are tax deferred until withdrawn
  • There is no "use it or lose it" provision like with flexible spending accounts (FSAs)
  • An eligible individual is an individual who is covered under a qualifying high deductible health plan on the first day of the month, or is generally not covered by any other health plan that is a non-HDHP


View our current rates.