FIGFCU Rainy Day Savings | Save For Emergencies | Earn Higher Rates
Skip to main content
Farmers Insurance Federal Credit Union

Routing Number: 322077795

mother and daughter under umbrella

Rainy Day Savings

High Interest Protection For Emergencies

Saving money for emergencies can seem challenging with everyday expenses to worry about. Our Rainy Day Savings account is designed to make this simple and painless. Small, automatic deductions — you don’t even notice them — add up with healthy interest. Before you know it you have a nice stash of cash for those “I can’t believe this happened” events.

  • No minimum balance requirement
  • 3.04% APY on balances up to $2,000
  • Membership Savings rate on balances over $2,000
  • No debit card or checks issued, we want you to be successful in your savings
  • Maximum of 2 free withdrawals per calendar year ($20 fee each additional withdrawal)

*APY = Annual Percentage Yield. Rates are subject to change at anytime.

Limit one Rainy Day Account per qualified membership. Rainy Day Savings is an interest earning savings account eligible for 3.04% APY interest on balances up to $2,000 and the standard Membership Savings rate on balances over $2,000 when funded via recurring ACH deposit or other qualifying external funds. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. Interest earned will be credited to the account at the end of the statement period. This account is limited to two withdrawals per calendar year, each withdrawal in excess of this amount will incur a $20 excessive withdrawal fee that must be paid at the time of the withdrawal. This account does not qualify for withdrawal access via debit or check and does not support transactions originating via VRU, online banking, mobile banking, or ATMs. Withdrawals can be made in person at a Credit Union branch or by calling us at 800.877.2345. This account does not qualify for overdraft protection. Account holder must be a member with a regular share account who is in good standing. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned and qualifying dollar amounts for interest earned are subject to change at any time. APYs and eligibility criteria are subject to change at any time. Fees may reduce earnings.