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Personal   Deposit Account

Deposit Accounts

At Robins Federal Credit Union, we offer a variety of deposit accounts to meet your specific need.

Savings Account

Whether you're saving for a particular purpose or just preparing for the uncertainties of tomorrow, a Robins Federal savings account will help make your money work for you. You won't find a more flexible way to save than our savings account.

  • $25 initial deposit to open a new account
  • Minimum balance $100*
  • Competitive dividend rate (minimum balance required)
  • Descriptive quarterly statements
  • Access to 24-Hour Telephone Teller**
  • Withdrawals at your local branch
  • FREE Online Services:
    - Online Banking
    - Web Bill Pay
    - Mobile Banking
    - e-Statements
    - e-Alerts
* Minimum Balance - This balance is required to obtain the stated Annual Percentage Yield (APY) for the dividend period and to avoid the Below Minimum Balance Fee. Click here for current rate information. See the Rate & Fee Schedule for Below Minimum Balance Fee information.

** Account Limitations - For Savings, IRA Savings and Prestige accounts, no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Certificate Accounts

Share Certificates & IRA Certificates - If you have funds that you won't need access to right away, why not put them in a Certificate Account? You'll get a higher rate of return, plus the flexibility of setting your term length. Our Certificate Accounts offer competitive rates and flexible terms from 6 months up to 5 years. All you need is a minimum of $500 to start.

Easy Save Share Certificate - Do you want to start investing, but don't have the minimum deposit needed for our other certificate accounts. With just as little as $100, you can take advantage of the Easy Save Share Certificate. This certificate offers a 12 month term along with competitive dividends. Plus you can add to this certificate at any time (minimum $25 deposit).

We're sure to have a certificate to fit your needs. View our Rates and Terms to select the certificate account that is right for you.

Individual Retirement Accounts (IRA)

A retirement account that pays you a competitive dividend rate. Robins Federal's IRA accounts provide a secure way to build a nest egg for retirement. With features such as:

  • Only $25 initial deposit to open a new account
  • Minimum balance $25* (There is no minimum balance in an IRA savings.)
  • Competitive dividend rate (minimum balance required) (There is no minimum balance required to pay dividends on an IRA savings.)
  • Descriptive quarterly statements
  • Allows you to defer paying taxes on dividends*
  • If applicable, allows you to deduct all or part of contributions
    on your tax return.**
  • Offers a variety of IRA investments such as:
    - Traditional IRA
    - Roth IRA
    - Coverdell Education Savings Account


* Minimum Balance - This balance is required to obtain the stated Annual Percentage Yield (APY) for the dividend period. View our current rate information and see the Rate & Fee Schedule for Below Minimum Balance Fee information.

**It is recommended that you seek tax advice from your Tax Advisor before making decisions regarding your IRA investment.

Early Withdrawals - Withdrawals made before age 59 and one half years of age are subject to IRS penalties.

Prestige Money Market Accounts

An investment account that earns you market rates with features such as:

  • No monthly maintenance fee
  • $2500 initial deposit to open a new account
  • Minimum balance $2500*
  • Competitive dividend rate (minimum balance required)
  • Descriptive quarterly statements
  • Access to 24-Hour Telephone Teller***
  • Overdraft protection**
  • Withdrawals at your local branch or ATM
  • FREE checks to members 55 and older
  • FREE Online Services:
    - Online Banking
    - Web Bill Pay
    - Mobile Banking
    - e-Statements
    - e-Alerts

* Minimum Balance - This balance is required to obtain the stated Annual Percentage Yield (APY) for the dividend period. View our current rate information and see the Rate & Fee Schedule for Below Minimum Balance Fee information.

** Overdraft Protection - Gives you peace of mind and security should you ever overdraw your account. Overdrafts will automatically transfer available funds to your checking account from your savings account or you may qualify for a line of credit loan or VISA® as another convenient option. To receive this service, ask a representative when opening your account. See the Rate & Fee Schedule for Overdraft Protection Fee information.

*** Account Limitations - For Savings, IRA Savings and Prestige accounts, no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

MyMoney MyWay® Savings

Let us help you put money aside for your Spring Break trip, those concert tickets, or even the new pair of jeans that you want. A MyMoney MyWay® Savings account will help make your money work for you with features such as:

  • $25 initial deposit to open a new account
  • Minimum balance $100*
  • Competitive dividend rate (minimum balance required)
  • Descriptive quarterly statements
  • Access to 24-Hour Telephone Teller**
  • Withdrawals at your local branch
  • FREE Online Services:
    - Online Banking
    - Web Bill Pay
    - Mobile Banking
    - e-Statements
    - e-Alerts

MyMoney MyWay® has everything you need to manage your finances and prepare for the future.

* Minimum Balance - This balance is required to obtain the stated Annual Percentage Yield (APY) for the dividend period and to avoid the Below Minimum Balance Fee. Click here for current rate information. See the Rate & Fee Schedule for Below Minimum Balance Fee information.

** Account Limitations - For Savings, IRA Savings and Prestige accounts, no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.






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