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Farmers Insurance Federal Credit Union

Routing Number: 322077795

Savings Accounts

Save For What Matters

3.00% APY**

Online Savings

with Direct Deposit.

Open Account

1.50% APY*

Health Savings Account

Save for medical expenses.

Open Account

Claim your new Member bonus.†
It’s our way of saying thanks for joining the family. Earn up to a:

  • $250 bonus when you open a Savings account with a minimum balance of $50,000 and maintain at least the minimum balance for four consecutive months. Certificates are not eligible.
  • $150 bonus when you open a Savings account with a minimum balance of $30,000 to $49,999 and maintain it for four consecutive months. Certificates are not eligible.
  • $100 bonus when you open a Savings account with a minimum balance of $20,000 to $29,999 and maintain it for four consecutive months. Certificates are not eligible.

Use promo code NMSAV at signup.

Save for what matters.

Welcome to greater flexibility, convenience, and high-yield savings. Our savings plans are designed to work the way you need them to—for rainy days, getaways, and holidays, for kids at college, or that deductible on your upcoming knee surgery. So choose the right account for you and start earning a high savings yield today! 

Online Savings 

We’re here to help you achieve your dreams, whether it’s a new home, a big trip, or college tuition. Earn an industry-leading 3.00% APY when you open an Online Savings account and sign up for Direct Deposit (earn 2.00% APY without Direct Deposit). That’s 8x the national average.‡

  • Easy 24/7 online access‡‡
  • 30,000+ fee-free ATMs nationwide
  • Mobile check deposit
  • NCUA insured up to $250,000 

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Health Savings Account (HSA) 

Imagine a tax-free account that allows you to pay for qualified medical expenses, including dental and vision care, while you earn dividends on your balance. Wouldn’t that be great? Our Health Savings Account (HSA) allows you to do just that.

And now it comes with industry-leading earnings of 1.50% APY on all balances!

Benefits include:

  • Triple Tax Advantage: Contributions, earnings, and withdrawals are tax-free
  • Convenient way to save for out of pocket medical costs
  • 1.50% APY on all balances—unlike other financial institutions
  • No fees ($20 minimum balance)
  • Easy access to funds via your free HSA Visa® debit card 
  • We gladly accept rollover and transfer funds 

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Limited Time Certificates 

Our Limited-Time Certificates not only give nationally leading yields, but unmatched flexibility and access to jump on market opportunities faster:

  • Limited Time 4-Month Certificate gives you top national yield of 4.00% APY§ with the comfort of a short term. Plus, there is no minimum opening deposit and no minimum balance requirement.
  • No Penalty Certificate gives you a phenomenal 4.25% APY§§ plus early withdrawals (one every 30 days) available with NO penalty! 

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People are noticing what we do.
Our Members are just some of the people who think we're special. The Wall Street Journal and CBS News have recognized us for our industry-leading yields.

*APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time.

**Consult your tax advisor or refer to IRS Publication 502. Contribution limitations and other restrictions apply to HSAs. To have a Federally Qualified HSA, you must purchase and maintain a HDHP with minimum deductibles of $1,300 (individual) and $2,600 (family), and maximum out of pocket expenses less than $6,850 (individual) and $13,700 (family). Generally you cannot be covered by another low-deductible health insurance policy. The tax treatment of HSA contributions and distributions under your state's income tax laws may differ from the referenced federal tax treatment, and from state to state. Consult with your financial or tax advisor for more information. This Credit Union is federally-insured by the National Credit Union Administration.

Refer to section 213 (d) of the IRS Tax Code. Visit the U.S. Department of Treasury website for up-to-date contribution limits and more detailed information on plans and taxes.

†New Members Savings Account Bonus: New Savings Accoun/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following: 

Savings Account Bonus: Eligible “New Member” must open a qualified non-maturity (non CD) savings account with a minimum deposit of $20,000 (twenty thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $20,000 must stay in the deposit account for 4 (four) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. 

  • $100 bonus for account balances totaling $20,000 to $29,999 for 4 consecutive months. 
  • $150 bonus for account balances totaling $30,000 to $49,999 for 4 consecutive months. 
  • $100 bonus for account balances totaling $50,000 or more for 4 consecutive months. 

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

‡The national average for this type of account is 0.42% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 01/21/2025.

‡‡No branch or call center access with this account

§Limited Time Offer 4-Month and Certificate / Rates are subject to change without notice. This is a promotional rate of 4.00% APY. Bonus Rate may not be combined with any other rate increase/bonus. Annual Percentage Yield (APY) is calculated on a 3.93% base rate, no minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates do not qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of certificate funds. Fees and other conditions may reduce earnings. The 4-Month promotional certificate will automatically roll over to a regular 3-Month term certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. This Promotional Rate is effective March 26, 2025 until further notice. Yields/rates are subject to change at any time. Fees could reduce the earnings on an account.

§§Limited Time Offer No Penalty 9-Month Certificate Account / Yields are subject to change without notice. This is a promotional yield of 4.25% APY. Bonus Dividend may not be combined with any other dividend increase/bonus. Annual Percentage Yield (APY) is calculated on a 4.17% base rate, $1,000.00 minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates do not qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. Normal substantial penalty for early withdrawal of certificate funds will be waived as follows: 1) No withdrawals within the first 30 days of setting up the certificate 2) One withdrawal allowed per calendar month after the initial 30 days no withdrawal. Fees and other conditions may reduce earnings. The 9-Month promotional No Penalty Certificate will automatically roll over to a 9-Month Certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. Rates and terms are subject to change at any time. Fees could reduce the earnings on an account. No Additional deposits are allowed. No withdrawals prior to maturity date subject to terms; penalties will be waived after the first 30 days.