Free Checking
A simple and free account with all the basics
- No minimum requirements
- No fees
- Free debit card
- Digital banking loaded with options
Let's get going!
In order to get started, select an account that works for you.
Student Checking
A free checking account exclusively for students ages 10-24
- Use your debit card 5 times/ month and get paid $20/ month for your first year*
- Free debit card
- Digital banking loaded with options
- Link your Apple Pay®, Venmo® and more.
Go-To Checking 4.15% APY
Earn 4.15% APY* on balances up to $10,000
- No minimum balance
- No fees
- Digital banking loaded with options
- Free debit card
- 15 monthly minimum debit card purchases required
- $2,500 monthly minimum direct deposit into Go-To Checking required
High Yield Plus
Get more return from your hard-earned money
- No monthly fees
- Dividends are tiered to offer higher rates for larger balances
- Dividends paid monthly on daily balance
- Digital banking loaded with options
- $1,500 minimum to open and receive dividend
Certificate of Deposit (CD)
Take advantage of higher rates with no risk
- Designed to securely earn you money
- Varying terms between 12-60 months
- No monthly account fees
- Current rates https://www.myfpcu.com/rates#Certificate_Rates
14 Month Certificate of Deposit Special 4.40% APY*
Amplify your savings with our limited time online special rate! Open today in 3 minutes or less.
- 4.40% APY for 14 months
- New money only
- Available to the entire State of Michigan
- $500 minimum
- Special expires on November 29, 2025
Youth Certificate of Deposit (CD)
Dream big. Start small. Save money for your child's tuition, first car, first home, and more.
- 4.00% APY*
- 12-month term
- For ages 0–24
- No minimum deposit
- One penalty-free withdrawal per 12 month term