ARC Federal Credit Union offers many saving account options, each providing the foundation for a lifetime of financial security. All deposits are federally insured to at least $250,000 by The National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government. Additionally, Individual Retirement Account (IRA) savings are insured up to $250,000 per depositor, offering an even higher security on your retirement savings.

For more information on the security and coverage of NCUA insurance that is held on all of your savings at ARC Federal Credit Union, please click here.

Share (Savings) Account

A Share Account is your primary savings account with ARC. Just a $5 minimum deposit, establishes your membership and opens the door to all of the other benefits ARC can offer.

View current Savings Account rates

Certificates of Deposit

When you commit your deposit to a longer term, you’ll earn a higher yield by opening a Certificate of Deposit. Our Certificate of Deposits were developed to benefit more of our membership. Our various terms and low minimum deposit allow many members to take advantage of these higher interest rates.

  • Flexible Terms – 6 months to 60 months
  • Low Minimum – Only a $500 minimum is required
  • High Yields
  • Guaranteed Earnings – Principle and interest payments are guaranteed

Dividends are calculated monthly and posted on the last business day of each month.

View current Certificates of Deposit rates

IRAs

You can retire without the financial worry when you begin saving in your ARC IRA account. Prepare for a comfortable retirement, or reach other major financial goals, with the help of an IRA from ARC. Anyone under the age of 70 ˝ is eligible to open a traditional IRA account.

  • Contributions may be tax deductible. Qualified withdrawals are taxable income
  • Invest up to $5,000 a year ($6,000 if your are between the ages of 50 and 70 1/2)
  • Earnings are tax deferred until withdrawn
  • Withdrawals before age 59 ˝ may be made without penalty to help finance a higher education or your first home.
  • Required minimum distribution at age 70 1/2

Contact ARC for more details or to open your IRA.

View current IRA rates

Club Accounts

These special accounts help members save for holidays, vacations, and your children.

No Harsh Deposit Requirements! You contribute what you want, when you want!

Christmas Club

Make your Christmas a little easier by contributing a little each month all year long.

  • No minimum deposit
  • Automatic transfers from saving or checking are available
  • Funds are available for withdrawl at any time with no penalty
  • Christmas account checks with earned dividends are mailed in mid-October

Vacation Club

Avoid using your credit cards on vacation by opening a vacation club account

  • No minimum deposit
  • Automatic transfers from savings or checking are available
  • Funds are available at any time with no penalty

Kids Club - "Noah's ARC"

Open a Kid's Club today to begin saving at an early age. This account is available for children ages 0-13. The earlier you start the more you save!

  • Interest rate higher than regular savings - view rate
  • Prizes available as you reach higher savings balances
  • $5 minimum deposit
  • Funds are available at any time with no penalty
  • Teaches children financial responsibility at an early age

Money Market

Need access to your money but still want a higher rate of return?

An ARC Money Market may be your best choice. ARC's money market allows you up to 3 free withdrawals a month, while offering you a higher interest rate. Maintaining a minimum balance of $2,000 will earn you a great return on investment.

View current Money Market rates