What are your special savings accounts and what are their interest rates?

We offer several special savings accounts.

Here are the interest rates for these savings accounts, which are subject to change. Please call us at 850.224.4960 if you have any questions.

Account Savings Amount APY* APR* Details
Main Share
This account holds your $5 share of ownership.
$100.00 – $2,499.99 0.20% 0.20% Great for those who want a general savings account.
Main Share $2,500 or greater 0.25% 0.25% Main Share accounts earn .30% APY* with a balance of $2,500 or greater.
True Student Savings (w/ True Student Checking)
This account is designed specifically for college students.

$5.00-$1,000.00 10% 9.57% Students with our True Student Checking account can earn up to 10% APY* on the first $1,000.
True Student Savings (w/o True Student Checking) $5.00-$1,000.00 6% 5.84%
Youth Savings Account
Teach your children the value of saving money!
Minimum $5 to open and start earning interest 0.25% to 0.50% depending on balance 0.25% to 0.50% depending on balance Watch for promotions to earn up to 10% APY*.
Save-4-It


This account is perfect if you’re saving for a vacation or other major purchase.

Minimum $5 to open and start earning interest 0.25% to 0.50% depending on balance 0.25% to 0.50% depending on balance The more you save, the more you earn!
Holiday Savings
Don’t let holiday expenses catch you by surprise!
Minimum $5 to open and start earning interest 0.25% to 0.50% depending on balance 0.25% to 0.50% depending on balance Money from this account will automatically be transferred to your draft account on or after November 1st of each year.

Rates effective June 1, 2020
*APY = Annual Percentage Yield. APR=Annual Percentage Rate. Holiday Savings, Youth Savings Accounts and Save-4-It accounts earn interest and have a variable Annual Percentage Yield that is subject to change by the Credit Union at any time. Holiday Savings Accounts: all funds will be transferred to the member’s draft account on or after November 1st of each year. If you make a withdrawal at ANY TIME before November 1st, ALL accrued interest will be forfeited and the account will be closed. Youth Savings Accounts earning 6%, 7%, or 10% APY will be paid at 5.84%, 6.78% & 9.57% APR, respectively, on the first $500. The remainder will be paid at the applicable rate. TRUE Student Share Accounts earning 6% or 10% APY will be paid at 5.84%,& 9.57% APR, respectively, on the first $1,000. The remainder will be paid at the applicable rate. Member must have an active TRUE Student Checking Account to earn the 10% APY account. Detailed rates can be found in the FSU Credit Union Savings and Rates document.

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