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Savings Accounts in Fayetteville, NC and Southeastern North Carolina

Your membership with Bragg Mutual FCU opens the door to competitive savings, consistent dividends, and personalized service — serving Fayetteville, NC and Southeastern North Carolina from a credit union that puts your financial goals first.
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Primary Savings Account in Fayetteville, NC

Your Primary Savings Account is your first step toward membership with Bragg Mutual FCU.

It gives you access to all the benefits and services Bragg Mutual has to offer, while helping you grow your savings from day one.

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BMFCU Primary Savings Features:

  • $20.00 Minimum Opening Deposit to Establish Membership
  • $5.00 Minimum Opening Deposit for Additional Regular Savings
  • Balances of $300.00 & up Earn Dividends at Regular Savings Rate
  • Interest Compounds Quarterly

BMFCU Primary Savings Requirements:

  • $5.00 Minimum Balance to Maintain Any Savings Account
  • One-Time $15.00 Membership Fee to Open Primary Savings
    (Part of Your $20.00 Opening Deposit.)
  • At Least One Member Initiated Transaction Every Six (6) Months
  • Accounts without Member Initiated Transaction for Six (6) Months or More Subject to a Dormant Account Fee
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Bragg Mutual FCU Holiday & Vacation Club Accounts

Plan ahead for holiday expenses or your next vacation. These accounts make it easy to save automatically and earn dividends throughout the year, so you’re ready when the time comes.

Holiday Club Note: Account funds will transfer on Thursday, November 20, 2025, at the end of business day. Funds will automatically move to your Checking Account and be available the following day. If no Checking Account is available, funds will be deposited into your Primary Savings.

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BMFCU Holiday & Vacation Club Features:

  • Higher Dividends Than Standard Savings
  • No Monthly Service Fees
  • No Minimum Balance Requirement
  • Unlimited Deposits
  • Optional Scheduled Transfers for Easy Saving
  • 24/7 Account Access via Online or Telephone Banking

BMFCU Holiday & Vacation Club Requirements:

  • $10.00 Minimum Opening Deposit
  • $100.00 Minimum Balance Required to Earn Dividends
  • Interest Compounds Quarterly
  • One Withdrawal Required Annually

Savings Account FAQs

How do I open a savings account at Bragg Mutual FCU?
Opening a savings account starts with becoming a member. If you live in one of our 25 NC counties or 7 SC counties — or belong to a select employee group — you’re eligible to join. Your Primary Savings Account is your first step toward membership and requires a $20 opening deposit, which includes a one-time $15 membership fee. You can open an account online in just a few minutes.
Yes. Bragg Mutual FCU savings accounts earn dividends on balances of $300 or more, compounding quarterly. Holiday and Vacation Club accounts earn higher dividends than standard savings and require a minimum balance of $100 to earn dividends. Current dividend rates are available on our rates page.
Both accounts work the same way — you save throughout the year and earn dividends on your balance. The key difference is the purpose and timing. Holiday Club funds are automatically transferred to your checking or primary savings account in November, just in time for holiday expenses. Vacation Club accounts give you more flexibility over when you withdraw, making them ideal for travel planning or other seasonal goals.
No — both the Primary Savings and Holiday and Vacation Club accounts allow unlimited deposits. Optional scheduled transfers make it easy to save automatically each month without having to think about it.
Accounts without a member-initiated transaction for six months or more may be subject to a dormant account fee. To keep your account active simply make at least one transaction every six months — a deposit, withdrawal, or transfer all count.

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