Savings Accounts

Experience the credit union difference with a savings account at VITAL FCU. We have a variety of savings options available to help you reach your financial goals. Whether those goals include saving for a down payment on a home, investing for retirement or preparing for a child’s education, we’re here to help with just the right options.

Refer to our Rate Schedule for current rates. The Board of Directors sets the dividend rate each quarter. Dividends are paid quarterly and are calculated on an average daily balance.

Piggy bank with change

Primary Savings
Your member-ownership in VITAL FCU begins with just a $5 opening balance and a $1 membership fee.

◊ Two complimentary withdrawals per month, $5 fee for every subsequent withdrawal
◊ Dividends paid on a balance of $500 or more
◊ No monthly service charges

Money wrapped in Christmas bow



Christmas Club
Save for the holidays all year long with our Christmas Club Account. Never stress over high-interest credit card bills after the holidays again.

◊ No minimum opening balance
◊ No last minute Christmas funds stress!

Discover more of what your Vital Federal Credit Union has to offer!


If you are planning to travel, please let us know ahead of time. Learn More