Credit union · NCUA insured
Florence Federal Credit Union Savings Rates
Florence Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Florence Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Florence, AL, where Florence Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Florence Federal Credit Union
0.45%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $45
Money Market
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
First Southern Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Florence Federal Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.45%
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 Florence 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
0.45%APY
Variable rate account. Dividend rates determined quarterly by the Credit Union board of directors. Annual percentage yields are accurate as of the last dividend declared date. Withdrawals are limited to five per month, with a $25 fee for any excess transactions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upMinimum to open a share account is $25.00 plus a $1.00 membership fee. A balance of $200.00 is required to earn dividends.$200 and up | 0.45% | $45 | Minimum to open a share account is $25.00 plus a $1.00 membership fee. A balance of $200.00 is required to earn dividends. |
Sources (1)
- ffcuonline.com/accounts/investing/money-market · captured Sep 19, 2026
Money Market Account
0.45%APY
Variable rate account determined quarterly by the board of directors. Membership eligibility requires residing in qualifying areas of Alabama, Mississippi, or Tennessee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upA balance of $2,500 is required to earn dividends. Withdrawals limited to five per month, with a $25 fee for excess transactions.$2,500 and up | 0.45% | $45 | A balance of $2,500 is required to earn dividends. Withdrawals limited to five per month, with a $25 fee for excess transactions. |
Sources (3)
All captured Sep 19, 2026
Regular Savings (Share)
0.35%APY
Minimum opening deposit of $25.00 plus a $1.00 membership fee. Variable rate determined quarterly by the board of directors. Balance of $200.00 required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and up$1.00 membership fee required. Balance of $200.00 or more is required to earn dividends.$200 and up | 0.35% | $35 | $1.00 membership fee required. Balance of $200.00 or more is required to earn dividends. |
Sources (1)
- ffcuonline.com/accounts/saving/savings-accounts · captured Sep 19, 2026
Special-purpose accounts
Vacation Club
0.35%APY
Variable rate account determined quarterly. Minimum $200.00 balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upVariable rate account. A balance of $200.00 is required to earn dividends.$200 and up | 0.35% | $35 | Variable rate account. A balance of $200.00 is required to earn dividends. |
Sources (1)
- ffcuonline.com/accounts/saving/savings-accounts · captured Sep 19, 2026
Who can join Florence 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
- Individuals who live, work, worship, or attend school in Lauderdale County or Colbert County, Alabama are eligible for membership.
Other ways
- Businesses and other legal entities in Colbert and Lauderdale Counties are eligible to become members.
Cost to join
- Membership requires a $25 share deposit that must remain in your account.
- Membership requires a $1 fee.
Membership information collected October 4, 2026.