Saving Isn’t One-Size-Fits-All — It’s Personal
Every person’ journey to financial security starts somewhere different. Maybe you’re saving for your first home, an adventure across the world, or simply a rainy day. At OAS FCU, we believe your savings should fit your story—not the other way around.
Build your tomorrow, your way. Start simple or grow your funds from anywhere in the world. With flexible accounts and no monthly fees, your money is protected by federal insurance1 and working for you — so you can focus on what matters most.
Share Savings
Start your journey with just $5 and become a member-owner of OAS FCU. Flexible savings accounts designed to help you save for any goal — big or small. No monthly fees, plus your money grows with competitive dividends.
- Minimum deposit: $5
- Create separate savings accounts for travel, emergencies, taxes, or any goal you choose — all under your main membership.
- No monthly fees or hidden charges. Earn dividends and manage your savings with complete flexibility.
- Best for starting to save & flexible goals.
RoundUp Savings
Turn your everyday purchases into effortless savings. Round up your debit card posted purchases to the nearest dollar (or more). Your spare change goes from your Share Draft Checking Account into your RoundUp savings, growing automatically with dividends and no fees.
- No minimum deposit (linked to your debit card).
- Works on all posted purchases and recurring payments that use your debit card. Round up purchases automatically.
- Free, automatic.
- Best for frequent debit card users — saving made effortless.
Savings Club Accounts
Set aside money on at your pace with monthly deposits and daily compounding dividends. Funds are locked until your goal date to keep you on track — with no monthly service fees.
- No minimum deposit required.
- You can withdraw early if you need to.
- No monthly service fees, daily compounding, scheduled deposits, limited withdrawals.
- Best for planning holidays, taxes, vacations.
Share Certificates
Lock in a fixed dividend rate for a term between 3 and 60 months. Start with as little as $500 and watch your savings grow safely with daily compounding of dividends. Early withdrawals have penalties, so plan ahead.
- Minimum deposit: $500 ($100,000+ for jumbo rates)
- Fixed terms from 3 to 60 months.
- Fixed rates, higher dividends, penalty for early withdrawal, term options, auto-renewal.
- Best for guaranteed returns & long-term saving.
Traditional IRA
Save for retirement with tax advantages that help your money grow faster and tax-deferred until withdrawal. Combine flexibility with security by choosing a Traditional IRA.
- Minimum deposit: $0
- Flexible contributions
- Tax advantages and potential deductions; early withdrawals penalized
- Federally insured separately from your other deposit accounts
- Best for retirement savers seeking tax benefits and steady growth.
IRA Share Certificates
Save for retirement with tax advantages that help your money grow faster and tax-deferred until withdrawal. Lock in higher guaranteed returns with an IRA Share Certificate.
- Minimum deposit: $500 to open IRA Share Certificate (must have Traditional IRA)
- Fixed 36-month term with higher dividends.
- Tax advantages and potential deductions.
- Federally insured separately from your other deposit accounts.
- IRA Share Certificate funds remain in IRA; early withdrawals penalized.
- Best for retirement savers seeking tax benefits and steady growth.
Disclosures
IRAs are available only to U.S. citizens or legal residents with a valid Social Security Number.
Traditional IRAs offer tax-deferred growth and possible tax deductions—consult a tax advisor for details.
IRA Share Certificates require an active Traditional IRA and have a fixed 36-month term with early withdrawal penalties.
Rewards Checking: Easy, Smart, Rewarding
Easy account management
Manage your account effortlessly anytime, anywhere. Check balances, track transactions, and update your info with just a few taps—banking made simple.
Easy money transfers
Move your money quickly and securely. Transfer between your accounts, to other members, or external accounts2 with ease using our online and mobile tools.
Secure and trusted service
Your safety is our priority. Enjoy peace of mind with advanced security features protecting your accounts around the clock.
Highlighted Features & Benefits
Save your way
Flexible accounts and multiple options tailored to your unique goals.
No monthly fees
More of your money stays where it belongs—working for you.
Competitive dividend rates
Helping your savings grow faster.
Safe and secure
Your deposits are federally insured by the NCUA up to $250,0001.
Manage anytime, anywhere
24/7 Online Banking and Mobile App keep you in control.
Effortless saving
Set up recurring transfers or payroll deductions to build your savings steadily — small, regular contributions add up fast.
Easy deposits and transfers
From your phone, in person, or through shared branches.
Personalized support
Financial advice from a team that truly cares about your success.
Disclosures
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Your deposits are insured through the NCUA Share Insurance Fund, which protects share accounts such as Share Savings, Share Draft, and Share Certificates, dollar for dollar including principal and posted dividends, up to the applicable insurance limits. Insurance coverage is based on the ownership category (for example, individual, joint, retirement, and certain trust accounts) and may allow coverage greater than $250,000 depending on how accounts are structured. The Share Insurance Fund is backed by the full faith and credit of the United States. For details and examples of coverage based on ownership type, please review the NCUA Share Insurance resources or contact us for assistance.
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External transfers, debit-card funding, and aggregation services are supported by third-party providers. Availability may vary by country, institution, and device. Limits, holds, or restrictions may apply.
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Early direct deposit depends on the timing of your employer’s payment instructions. OAS FCU may post funds up to two days early, but early availability is not guaranteed.