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No Service Fees

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Visa Debit Card With Access to Over 30,000 Fee - Free Atm's

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Free Mobile App With Remote Deposit Capture

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Free Online Banking With Bill Pay and Loanpax Xpress

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Access to More Than 250 Shared Branch Locations Across the Nation

Saving is easy. When you're a member at FAFCU!

Forest Area Federal Credit Union (FAFCU) offers a variety of convenient savings accounts that are easy to access while you're on the go. Our Visa Debit Card makes everyday transactions timeless and gives you access to more than 30,000 surcharge-free ATM's around the nation. Plus, watch your savings grow with our competitive rates. 

All saving accounts require $10 minimum balance. This will establish membership and allow members the right to vote at the annual meeting.


Not a Member? 

We proudly serve members in Grand Traverse, Kalkaska, Antrim, Crawford, Missaukee, and Wexford counties who meet our membership requirements.

Discover our mobile banking convenience and secure debit and credit cards. Apply to be a member today!


     Share Savings

This is the base account provided to all members.

  • $10 minimum balance required to open
  • Dividends paid quarterly

     Money Market

This is a dividend-paying account for a higher return on your savings deposits. Learn more about our Money Market Accounts.

  • No monthly or annual fees
  • Dividends are calculated daily and paid monthly
  • Limited check-writing, balance transfer, and debit/withdrawal options


Perfect for budgeting, open up tot 15 subsidary accounts under the main share savings account.

  • No minimum deposit requirements
  • No minimum balance
  • Dividends paid quarterly

     Christmas Club

Avoid the financial stress of the holiday by saving a little bit all year long.

  • Maximum balance of $5,000
  • No minimum balance
  • Will automatically roll over to your Share Account on October 31

     Share Certificates

Lock in our best yields and get the return you want with a Share Certificate.

  • Minimum deposit required of $500
  • Terms from 3-60 months
  • Dividends paid monthly

Youth Accounts

Learning to save at a young age is the key to success as an adult. That's why we provide youth accounts for children from the day they are born until they are 20 years old! Learn more about our Youth Accounts.

  • Pond Jumpers: 0-7 years
  • Tree Climbers: 8-12 years
  • Juniors: 13-17 years

Silver Savings Club

Members will receive complimentary: money orders, copying or faxing services, and 1 box of regular checks each year.

  • 60 years old and up

Ready to take the plunge?





a middle aged couple walks along the beach holding hands. The text "Take Steps Towards a Brighter Future. Open an IRA Account at FAFCU" is in the upper left corner of the image.

When you open an individual retirement account (IRA) at Forest Area Federal Credit Union (FAFCU), you can manage your savings conveniently from your own financial institution. Browse our offerings to see which one is right for you.

Plus you'll love our higher saving rates.

A Traditional IRA is a potentially tax-deffered retirement plan, where you won't pay taxes until you withdraw your funds. Contributions can be made as long as you are below 70 ½ years of age and have earned compensation.

When you open a Roth IRA, you'll pay taxes now and be able to withdraw the funds tax-free. Distributions can be made after 70 ½ years of age without any required minimum as long as you have earned compensation.
Benefits include

  • Withdraw your contributions at any time, tax and penalty free
  • No annual minimum distributions are required 

A Coverdell Education Savings Account is designed to help parents save for a child's education expenses, including tuition, fees, books, supplies, equipment, and in some cases room & board. You can make nondeductible contributions that provide the potential for tax-free withdrawals.

IRA Share Certificates combines the steady interest of a bank share certificate with the tax advantages of an individual retirement account (IRA).
Benefits Include:

  • Stability: in a world of fluctuating investment value, take comfort in stable earnings you can count on.
  • Flexibility: with a low initial deposit and terms to fit almost any need, you can choose the IRA Share Certificates that's right for you.
  • Tax savings: get the tax advantages of a traditional or Roth IRA.


  1. Standard messaging rates apply.
  2. Debit transactions are free when card issued at a CO-OP Network ATM or processed at retail outlets as a credit card. FAFCU will charge a $2 fee to use all other non-CO-OP Network ATMs, and you may be charged a fee by the ATM owner. Applications for ATM/Debit cards are subject to approval.
  3. Standard data rates apply.

*Rates disclosed are Annual Percentage Yield (APY). Rates effective April 1, 2019. All rates are subject to change without notice. Forest Area Federal Credit Union membership required. Penalties will apply for early withdrawals. $500 minimum deposit required.