Savings Products


Individual Retirement Accounts from Quest Federal Credit Union are available to qualifying members.

  • Can have money directly deposited to IRA.
  • Have IRA certificates.
  • Traditional or Roth IRAs.
  • Earnings may be tax deferred.
  • Anyone who makes compensation can open and deposit to an IRA.
  • Can rollover or direct transfer funds into a members IRA.

View Current IRA Rates: View Rates

For more information:

Roth IRAs - Answers to Your Questions Traditional IRAs Roth IRA vs. Traditional IRA - Exploring Your IRA Options

Money Market Account

Money Market Accounts are another savings option for QFCU members. Money Market Accounts pay a higher dividend than Regular or Sub Share Accounts but also have some restrictions. Money Market Accounts require a minimum balance of $500.00 to earn interest, however, if the balance falls below the $500.00, no fees or penalties are incurred. There is a maximum of 1 withdraw allowed per month. If more than 1 withdraw per month is taken, there will be a $15.00 withdraw penalty for each excess withdraw. Money Market Accounts have a tiered dividend structure and are as follows:

  • Basic Money Market $500-$10,000
  • Bronze Money Market $10,001-$50,000
  • Silver Money Market $50,001-$100,000
  • Gold Money Market $100,001-$150,000
  • Platinum Money Market $150,001 +

View Current Money Market Rates: View Rates

Certificate of Deposit (CD)

The minimum balance to open a CD is $1000.00 ($500.00 for minors age 18 and under). A higher rate is paid on CD’s $10,000.00 and over. Dividends on CD’s are paid monthly and can be posted to the CD balance, deposited into a Share or Share Draft Account or mailed to the member in a check. No additional funds may be added to the CD until the maturity date. Withdraws before the maturity date will incur an early withdraw penalty. CD’s will automatically renew for the same term at maturity, at the current rate. There is a 10 day grace period after maturity in which you the member may make changes or redeem the CD.

View Current Certificate Rates: View Rates

Health Savings Account (HSA)

Quest Federal Credit Union offers Health Savings Accounts for those members who qualify. There are no minimum balance requirements. Dividends are paid monthly on a balance of $150.00 or more. Checks are available upon request for an additional charge. *Please consult your employer or tax advisor for qualifications.*

View More HSA Information: View Info