It’s never too early or too late to start a savings program! The money you set aside today becomes the foundation for your future financial security. Consistent, regular deposits are one of the keys to building savings at the credit union and payroll deduction and direct deposit are available to make saving even easier. The LOCAL FCU offers a variety of savings programs to meet your short and long term financial goals with competitive rates. All our savings accounts are insured up to $100,000 with the National Credit Union Administration an agency of the federal government. Click on a savings product below for a description of each savings account type.