- Earn Interest
- Online Access
- FMO Membership Card
- Daily Interest
- E-statements
Dividend Pay Structure:
- Pay dividend as Average Daily Balance Calculation compounding daily
- Dividends will pay when the Average Daily Balance for the month is $50 or greater
- If the member’s Average Daily Balance is below $50 for the month – no dividend will be paid
- If the member’s Average Daily Balance is between $50 – $499.99 dividend rate of Essential status will be paid
- If the member’s Average Daily Balance is between $500 – $999.99 dividend rate of Premier status will be paid
- If the member’s Average Daily Balance is over $1000 dividend rate of Elite status will be paid
Savings Rates*
Effective: October 12, 2024
| Minimum Balance | APY** | APR*** | Dividend Paid |
| $50 - $499.99 | 0.02% | 0.02% | Quarterly |
| $500.00 - $999.00 | 0.03% | 0.03% | Quarterly |
| $1,000.00 and greater | 0.05% | 0.05% | Quarterly |
*All rates are subject to change to current For Members Only Federal Credit Union™ terms and conditions. Dividends are determined at the discretion of the Board of Directors. Rates are current as of the last dividend declaration.
**APY = Annual Percentage Yield
***APR = Annual Percentage Rate