Share Savings

Whether you’re saving for school, retirement, a big purchase, a wedding, or just a rainy day, Fulda Area Credit Union offers competitive rates and the friendliest bankers around.

A basic savings account allows you to earn interest on your minimum balance of at least $5. Click here for current share savings rates or talk to a credit union representative for details.


WINcentive Savings

Is saving money a challenge? If you are struggling to save, consider the WINcentive Savings account. You can improve your money habits in a whole new way that actually makes saving FUN. You’ll feel rewarded by watching your savings grow, and experience the excitement of the prize drawings! And unlike playing the lottery, you don't lose anything with WINcentive Savings. All of the money you deposit into the account is yours.

WINcentive™ Savings is a savings account that offers you the chance to win cash prizes from a state-wide drawing. WINcentive Savings offers prize drawing entries in return for each time you increase your month-over-month savings balance by $25 (up to 4 entries per month) *. Prize drawings occur monthly, quarterly and annually – so the more you save, the more chances you have to win! You could even end up winning the grand prize of $5,000 !

Watch the introduction video for WINcentive Savings to learn more or visit the WINcentive website !

In addition to the state-wide drawings, there will be a prize drawing within Fulda Area Credit Union! There will be a quarterly drawing for $25, and an annual drawing for $100!

*See member representative for complete terms, conditions, and official rules.


Student Savers

Our Student Savers accounts are available to any child 0-17 years of age. This program is created to teach our youth how to save their money, and the account holder may be subject to penalties for early withdrawals. You may view our current Student Saver Account rate here .

As a Student Saver you will receive:

  • Quarterly Newsletters - Click HERE for current newsletter
  • Financial information relevant to your age
  • Quarterly Savings Challenge Rewards
  • Opportunities to enter drawings/contests
    • National Credit Union Youth Month – April
    • Coloring Contest
    • Holiday Greeting Card Contest

Quarterly Savings Challenge

Our Student Saver incentive program provides youth the opportunity to be rewarded for meeting quarterly savings challenge goals! Students who meet these requirements will receive incentive stickers in their newsletter. Stickers must be collected in their Fulda Area Credit Union rewards book, which should be received upon account opening, or may be obtained at any branch. Once a student fills their entire rewards book with incentive stickers, they may bring it to any branch and exchange it for one of the available prizes at that time!

Current Savings Challenge

0-7 years old = $25.00

8-12 years old = $50.00

13-15 years old = $75.00

16-18 years old = $100.00

Students are only eligible for one sticker per qualifying activity, event, or contest; therefore students should not have duplicate stickers. All incentive stickers are responsibility of the student/guardian. Lost or stolen stickers will not be replaced. Stickers will not be distributed after the event or challenge has been completed.