Routing Number: 322077795
Decorative Image

Rainy Day Savings

Text Resize


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% APR 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)

Open Account

*APR = Annual Percentage Rate. 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% APR 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. APRs and eligibility criteria are subject to change at any time. Fees may reduce earnings.

National Credit Union Administration

This Credit Union is federally insured by the National Credit Union Administration. This Credit Union is an Equal Housing Lender, we make loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 800.877.2345 for assistance.

© 2020 Farmers Insurance Group Federal Credit Union.

All rights reserved.

We're On Social Media!

Facebook Twitter LinkedIn Instagram TikTok