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Savings Accounts

Set Money Aside, Keep Your Cash Close

Ready to start your saving plan, grow your nest egg, or set money aside for upcoming expenses? CHROME FCU offers a range of flexible savings account options designed to help you build for the future while keeping your critical cash reserves close to hand.

CHROME FCU makes saving simple to start and easier to stick to with low minimum and initial balances on most accounts, competitive interest rates, and no limits on monthly deposits, withdrawals, or transactions. And, with deposits fully guaranteed by the NCUA, you can watch your money grow risk-free until you’re ready to use it!



Put Your Money to Work

  • Flexible: Earn interest but access your money instantly when you need it.
  • Affordable: No minimum account balances and no monthly maintenance fees.1
  • Accessible: Unlimited monthly transactions on all our deposit accounts.
  • Secure: Deposits guaranteed up to $250,000 per account by the NCUA.


Primary Savings Account
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Easy access to your money when you need it. Save with confidence, knowing your money is always available to cover unexpected costs.

  • No minimum opening deposit
  • No minimum balance
  • No monthly maintenance fees
  • Unlimited deposits, ATM withdrawals and transactions
  • Full-service mobile and online banking
  • Minimum $100 balance is required to earn dividends
  • Check current rates or calculate earned dividends.
 
OPEN AN ACCOUNT

Kasasa Saver®
 
Connect a Kasasa® Saver account to your Kasasa® checking account and start building your savings effortlessly. 
  • No minimum balance to earn rewards
  • No monthly maintenance fees 
  • $25 minimum opening deposit 
  • 2.00% APY* on balances up to and including $100,000
  • 2.00% to 1.98% APY on balances over $100,000 depending on the balance in account*
  • 0.05% APY* on all balances if qualifications are not met in Kasasa® Cash or Kasasa® Cash Back
  • Links to free Kasasa® Cash Back or Kasasa® Cash Back® checkings
 
OPEN AN ACCOUNTMORE Details
 

Premium Money Market Account

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The premium way to save. Turn your nest egg into long-term wealth while keeping your hard-earned cash on hand.

  • $10,000 minimum opening deposit (Consumer only)
  • $10,000 average balance to avoid $7.50 monthly service fee

 

 
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Money Market Account

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Simply a smarter way to save. No minimum balance, no fees. Deposits NCUA guaranteed. Simple.

 
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Certificate Account
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Earn on your terms. Our flexible certificate rates and terms let you choose how you want to grow your savings.

  • No minimum balance
  • No minimum opening deposit
  • No monthly maintenance fees
  • No "new money" requirements
  • Choose 6, 12, 18, 24, 36, 48, 60-month Certificates
  • No penalty 6-Month Certificate — the perfect short-term starter option. Withdraw your money with zero early withdrawal penalty.
  • Check current rates and promotions, or calculate earned dividends.
 
OPEN AN ACCOUNTMORE Details

Health Savings Account (HSA)

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Take control of your healthcare spending. Our HSA offers a great tax break1 while helping you afford your approved medical costs.

  • No minimum balance
  • No monthly fee
  • Free HSA debit card
  • Free Bill Pay allows you to pay medical bills quickly and easily using our Mobile Banking app.
  • Use our Digital Banking tools to monitor transactions, view balances, receive alerts, make transfers, and more!
  • Interested in opening a HSA account? Visit us at a branch or click ‘Learn More’ below and complete the HSA inquiry form.   

 

1Please consult a tax advisor for more information. Any withdrawals used for non-qualified medical expenses before or after age 65 will incur tax.


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Trust Accounts

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After your Trust Account is established, come to CHROME for an array of savings products that can complement your banking needs.

  • No minimum balance
  • Checks are available for your convenience
  • Savings federally insured to at least $250,000 by the NCUA
  • Access to Online & Mobile banking
  • Once your trust agreement is complete, schedule an appointment to open your account

*To open an account in the name of your trust, a trust agreement is required. Please consult your attorney.


Schedule An AppointmentMORE Details

IRA Accumulators

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It’s never too early to start planning for tomorrow and beyond. Gain peace of mind knowing that your financial future matches your retirement goals.

CHROME offers both Roth IRA and Traditional IRA plans. We’re happy to guide the right investment plan for you, but it’s always best to consult with a tax professional before making a decision.

 

Schedule An AppointmentMORE Details
                                   
 













Applying for a CHROME FCU Savings Account is fast and easy!

  • Start the process: Click the links above to fill out an application form or schedule an in-person appointment.
  • Become a CHROME FCU member: Anyone who lives, works, attends school, or worships in Allegheny, Armstrong, Beaver, Butler, Greene, Fayette, Washington, or Westmoreland County is eligible to join.
  • Open a Primary Savings Account: Open with a minimum deposit of $5 (funded by CHROME FCU).



★★★★★

“They go above and beyond to help you get everything set up…”

- Samantha H., Washington, PA


Savings Accounts FAQ

Is there a limit to the number of transactions I can make with my Primary Savings Account?
No, your CHROME FCU savings account offers unlimited deposits, ATM withdrawals, and transfers.
Are there any penalties for withdrawing money from my Primary Savings Account?
No, you can withdraw money from your Primary Savings Account without penalties.
What is the minimum balance required to earn dividends on my Primary Savings Account?
A minimum balance of $100 is required to earn dividends on your CHROME FCU Primary Savings Account.
How often are dividends credited to Savings, Money Market, Certificate, and HSA accounts?
Dividends are compounded and credited monthly for all CHROME FCU savings accounts. Watch your monthly earnings grow from your CHROME24 Digital Banking online banking or mobile app.
Does CHROME FCU offer Individual Retirement Accounts?
Yes! At CHROME FCU we believe it’s never too soon to start setting money aside for retirement. That’s why we offer both traditional and Roth IRA products linked to our savings and certificate accounts.
Is my money safe in a credit union savings account?
Yes! All deposits in our accounts are guaranteed up to $250,000 per account by the National Credit Union Administration (NCUA). That means your savings account earns interest risk-free over any period of time.


Personal Savings Made Easy

Start your savings journey. Open a CHROME FCU savings account today. Our easy-to-access savings accounts let you set hard-earned cash aside so you can prepare better for the unexpected and plan for the future.

Click below to open an account online or schedule an in-person appointment.


OPEN AN ACCOUNTSchedule An Appointment


1Excludes the Premium Money Market Account which has a minimum opening balance of $10,000 and a monthly maintenance fee associated with the account.

 

*APY = Annual Percentage Yield. Membership eligibility required. Advertised 2.00% APY available for balances up to $100,000 and over cap will earn 0.05% APY if all account qualifications are met during the monthly cycle. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. All qualifications must be met on the Kasasa Checking account to receive advertised dividends on Kasasa Saver. Limit of one account type per member. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Stated rate as of March 1, 2025.

Kasasa and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.