Credit union · NCUA insured
Firefighters & Company Federal Credit Union Savings Rates
Top CarrotFirefighters & Company Federal Credit Union’s best savings rate is 3.05% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Firefighters & Company Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Dayton, OH, where Firefighters & Company Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Firefighters & Company Federal Credit Union
3.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $305
Money Market Account
Top rate
Pathways Financial Credit Union
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Firefighters & Company Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0003.05%
- $100,000 balance$100,0003.05%
- QualifiedQualified3.05%
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 Firefighters & Company 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.
Money Market Account
3.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 3.05% | $305 |
| $10,000 and up | 3.05% | $305 |
| $25,000 and up | 3.05% | — |
| $50,000 and up | 3.05% | — |
| $100,000 and up | 3.05% | — |
Sources (1)
- ffcocu.org/rates/savings-rates.html · captured Oct 6, 2026
Regular Share Savings
0.20%APY
Establishes credit union membership. Requires a $50 savings balance within 10 months of opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.20% | $20 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Savings Account
Up to 0.50%APY
Available as Traditional IRA or Roth IRA. Minimum $500 to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upIRA Savings- Plateau 1 | 0.40% | $40 | IRA Savings- Plateau 1 |
| $10,000 and upIRA Savings- Plateau 2 | 0.50% | $50 | IRA Savings- Plateau 2 |
| $25,000 and upIRA Savings- Plateau 3 | 0.60% | — | IRA Savings- Plateau 3 |
| $50,000 and upIRA Savings- Plateau 4 | 0.70% | — | IRA Savings- Plateau 4 |
| $100,000 and upIRA Savings- Plateau 5 | 0.80% | — | IRA Savings- Plateau 5 |
HSA Account
Up to 0.60%APY
Must have a High Deductible Health Plan (HDHP) to qualify.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceHSA- Plateau 1 | 0.30% | $30 | HSA- Plateau 1 |
| $2,500 and upHSA- Plateau 2 | 0.35% | $35 | HSA- Plateau 2 |
| $5,000 and upHSA- Plateau 3 | 0.40% | $40 | HSA- Plateau 3 |
| $7,500 and upHSA- Plateau 4 | 0.50% | $50 | HSA- Plateau 4 |
| $10,000 and upHSA- Plateau 5 | 0.60% | $60 | HSA- Plateau 5 |
Sources (2)
All captured Oct 6, 2026
Who can join Firefighters & Company 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 who lives, works, worships, or attends school in Montgomery County, Greene County, or Miami County, Ohio.
Cost to join
- Opening an account requires an initial $5 deposit, maintaining $50 on deposit within 10 months, and providing a valid ID.
Membership information collected October 5, 2026.