Credit union · NCUA insured
Fairmont Federal Credit Union Savings Rates
Fairmont Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Share Savings. Rates checked October 22, 2026.
How Fairmont Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Fairmont, WV, where Fairmont Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fairmont Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Share Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Woodforest National Bank
1.00%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $100
Fairmont Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Fairmont Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA Education Club
0.75%APY
Designated beneficiary must be under 18 when contributions are made. Income limits apply to contribute. Maximum $2,000 annual contribution per child. Funds must be withdrawn by age 30. No setup or annual fee. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo setup or annual fee. Tax-free withdrawals for qualified education expenses.Any balance | 0.75% | $75 | No setup or annual fee. Tax-free withdrawals for qualified education expenses. |
Sources (2)
- fairmontfcu.com/accounts/perso…ement-accounts-iras.html
- fairmontfcu.com/services-tools/tools/rates.html
All captured Oct 4, 2026
IRA Roth Club
0.75%APY
Income limits apply to open Roth IRA. Contributions not tax deductible; earnings are 100% tax-free at withdrawal. Principal contributions can be withdrawn without penalty. No mandatory distribution age. No setup fees, no monthly or annual maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo setup fees. No monthly or annual maintenance fees.Any balance | 0.75% | $75 | No setup fees. No monthly or annual maintenance fees. |
Sources (2)
- fairmontfcu.com/accounts/perso…ement-accounts-iras.html
- fairmontfcu.com/services-tools/tools/rates.html
All captured Oct 4, 2026
IRA Traditional Club
0.75%APY
No income limits to open. No minimum contribution requirement. Contributions are tax-deductible on state and federal taxes. Earnings tax-deferred until withdrawal. Mandatory withdrawals at age 70 1/2. No setup fees, no monthly or annual maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo setup fees. No monthly or annual maintenance fees.Any balance | 0.75% | $75 | No setup fees. No monthly or annual maintenance fees. |
Sources (2)
- fairmontfcu.com/accounts/perso…ement-accounts-iras.html
- fairmontfcu.com/services-tools/tools/rates.html
All captured Oct 4, 2026
Youth Savings Challenge Club
0.34%APY on $10,000
Designed for members age 17 and under. One account per Social Security number. Parent or guardian must be joint on the account and present with photo ID, child's birth certificate, and SSN card.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 4.89% |
| Over $500 | 0.10% |
On $10,000 the tiers blend to about 0.34% APY, earning $34 a year.
Sources (3)
- fairmontfcu.com
- fairmontfcu.com/accounts/perso…uth-savings-account.html
- fairmontfcu.com/services-tools/tools/rates.html
All captured Oct 4, 2026
Debit Card Round Up Savings Club
0.22%APY on $10,000
Requires an eligible personal checking account and FFCU Visa Debit Card. Point of sale transactions round up to nearest dollar and transfer to Round Up Savings Club next business day.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 2.48% |
| Over $500 | 0.10% |
On $10,000 the tiers blend to about 0.22% APY, earning $22 a year.
Sources (2)
- fairmontfcu.com/accounts/perso…avings-club-account.html
- fairmontfcu.com/services-tools/tools/rates.html
All captured Oct 4, 2026
Holiday Club Account
0.10%APY
Funds disbursed the first Friday in October by transfer into share savings. Dividends based on average daily balance and paid quarterly. Penalty-free early withdrawals available. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends based on average daily balance and paid quarterly. Disbursed first Friday in October.Any balance | 0.10% | $10 | Dividends based on average daily balance and paid quarterly. Disbursed first Friday in October. |
Sources (2)
- fairmontfcu.com/accounts/perso…oliday-club-account.html
- fairmontfcu.com/services-tools/tools/rates.html
All captured Oct 4, 2026
Share Savings
0.10%APY
Must be over age 18. Must purchase a share in the credit union ($5 minimum). $4 monthly service charge if minimum daily balance falls below $50, waived for minors under 18 or if account holder has an open and active sub-account. $5 closed account fee if closed within 90 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMust maintain a minimum average daily balance of $50 to earn dividends and obtain disclosed APY. Must maintain minimum daily balance of $50 to avoid $4 monthly fee.$50 and up | 0.10% | $10 | Must maintain a minimum average daily balance of $50 to earn dividends and obtain disclosed APY. Must maintain minimum daily balance of $50 to avoid $4 monthly fee. |
Sources (2)
- fairmontfcu.com/accounts/perso…are-savings-account.html
- fairmontfcu.com/services-tools/tools/rates.html
All captured Oct 4, 2026
Who can join Fairmont Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living or working in Marion, Monongalia, Preston, Harrison and Taylor counties.
Cost to join
- Join Fairmont Federal Credit Union for $5.
Membership information collected October 4, 2026.