Credit union · NCUA insured
Ferguson FCU Savings Rates
Ferguson FCU’s best savings rate is 0.35% APY on $10,000, with its High Yield Money Market. Rates checked October 22, 2026.
How Ferguson FCU’s savings rates compare
Compared with banks and credit unions near Jackson, MS, where Ferguson FCU has the most branches. $10,000, best rate first.
This credit union’s best
Ferguson FCU
0.35%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $35
High Yield Money Market
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Keesler Federal Credit Union
3.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $325
Ferguson FCU savings score
76
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.35%
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 Ferguson FCU 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.
High Yield Money Market
0.35%APY
Avoid a $10.00 monthly service fee by maintaining a $2,500.00 minimum balance. Only Ferguson FCU members are eligible; $5 minimum Savings deposit required for membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.25% | — |
| $10,000 – $35,000 | 0.35% | $35 |
| $35,000 – $75,000 | 0.45% | — |
| $75,000 – $150,000 | 2.02% | — |
| $150,000 and up | 3.04% | — |
Sources (3)
- fergusonfcu.org/high-yield-money-market
- fergusonfcu.org/savings-accounts
- fergusonfcu.org/savings-rates
All captured Oct 22, 2026
Primary Savings
0.10%APY
Establishes membership with Ferguson FCU. Dividends compounded and post monthly. No monthly service fees. Can be used as overdraft protection for checking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum balance to earn dividends is $1,000.00. Minimum deposit required to maintain account is $5.00.$1,000 and up | 0.10% | $10 | Minimum balance to earn dividends is $1,000.00. Minimum deposit required to maintain account is $5.00. |
Special Savings
0.10%APY
Goal-oriented secondary savings account. Dividends compounded and post monthly. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum balance to earn dividends is $1,000.00. Minimum deposit required to maintain account is $0.00.$1,000 and up | 0.10% | $10 | Minimum balance to earn dividends is $1,000.00. Minimum deposit required to maintain account is $0.00. |
Special-purpose accounts
IRA
0.65%APY
Individual Retirement Account (IRA) liquid savings. Annual maintenance fee of $10.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $50,000Tier applies to balances between $500.00 and $49,999.99. IRA annual maintenance fee is $10.00. | 0.65% | $65 | Tier applies to balances between $500.00 and $49,999.99. IRA annual maintenance fee is $10.00. |
| $50,000 – $100,000Tier applies to balances between $50,000.00 and $99,999.99. IRA annual maintenance fee is $10.00. | 0.96% | — | Tier applies to balances between $50,000.00 and $99,999.99. IRA annual maintenance fee is $10.00. |
| $100,000 and upTier applies to balances of $100,000.00 or more ($100,000+). IRA annual maintenance fee is $10.00. | 1.27% | — | Tier applies to balances of $100,000.00 or more ($100,000+). IRA annual maintenance fee is $10.00. |
Christmas Club
0.20%APY
Holiday budgeting savings account. Dividends compounded monthly. Early withdrawal fee applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier applies to balances from $0 to $2,500. Early withdrawal fee is $25.00 per transaction (or $15.00 per service charge schedule). Minimum deposit to maintain account is $0.00. | 0.50% | — | Tier applies to balances from $0 to $2,500. Early withdrawal fee is $25.00 per transaction (or $15.00 per service charge schedule). Minimum deposit to maintain account is $0.00. |
| $2,500 and upTier applies to balances $2,500 and above. Early withdrawal fee is $25.00 per transaction (or $15.00 per service charge schedule). Minimum deposit to maintain account is $0.00. | 0.20% | $20 | Tier applies to balances $2,500 and above. Early withdrawal fee is $25.00 per transaction (or $15.00 per service charge schedule). Minimum deposit to maintain account is $0.00. |
Youth Savings
0.25%APY
Available to young savers up to 18 years old. Requires a parent or guardian as joint owner. Dividends compounded and post monthly. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn dividends is $0.00 (stated as $0.00, $1.00, or $5.00 across rate sheets and account details). Minimum deposit to open and maintain account is $5.00.Any balance | 0.25% | $25 | Minimum balance to earn dividends is $0.00 (stated as $0.00, $1.00, or $5.00 across rate sheets and account details). Minimum deposit to open and maintain account is $5.00. |
Who can join Ferguson FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in one of the 36 eligible Mississippi counties (8 of which are partial) qualify for membership.
Employers and groups
- Employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
Family and household
- Immediate family members of employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members of employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members (generally spouses, children, parents, and siblings) of current Ferguson FCU members are eligible to join.
Membership information collected October 4, 2026.