Savings Accounts

Fund your dreams and plans straight from your savings account

We offer you the opportunity to set money aside to fulfill your personal dreams and goals. Drawing from your shared CDs of veteran savings, you can now easily fund your future plans or projects, whatever they may be.

IC Savings Account

Start Saving for Your Future

Easy Online Application

Select an account type
Read and accept online disclosures and agreements
Make a $5.00 deposit and open your account

Or Contact Us

If you have any questions left

Main Office

300 Bemis Road, Fitchburg, MA 01420

Main Office (800) 262-1001

Get in touch with us

    Get the best rate for you

    Personal Fee Schedule

    Effective as of July 1, 2024

    Excess Withdrawals: Reward Savings (Maximum: 2 in-branch withdrawals per statement cycle)$10.00 per withdrawal
    Stop Payment Request$25.00 each
    Account Activity Printout$2.00 each
    Check or Form Copy$2.00 each
    Foreign Check$10.00 each
    Research Fee / Reconciliation (1 hour minimum)$20.00 per hour
    Official Check - less than $1,000.00$3.00 each
    Official Check - $1,000.00 and over$5.00 each
    Certified Check$20.00 each
    Wire Transfer - Domestic$25.00 each
    Wire Transfer - International$50.00 each
    Foreign Check Collection$25.00 each
    Returned Deposited Check$15.00 each
    IRA Annual Fee$15.00 per year
    VISA® Debit/Credit Card Replacement$10.00 each
    HELOC Card Foreign ATM Transaction Fee$1.00 per transaction
    VISA® Debit Card Foreign ATM Transaction$1.00 per transaction
    Credit Union Assisted Telephone Payments$10.00 per payment
    Online Loan Payments with Quick PayFree
    Statement Copy$5.00 per statement plus research fee
    Government Levy$50.00
    Dormant Account$5.00 per month
    Temp Checks (minimum 4)$0.50 each
    New Account Early Closeout Fee$10.00
    The following fees can be caused by checks, in-person withdrawals, ATM withdrawals, ACH, or other electronic means. Items may be presented for payment multiple times. IC Courtesy Pay Overdraft Fees may be assessed on items previously returned due to insufficient funds when those same items are presented and paid, if you have opted into the IC Courtesy Pay service.
    Insufficient Funds Charge (NSF) (Labeled on statement as Return ACH Charge or Return Check NSF)$30.00 per item
    Uncollected Funds Charge$30.00 per item
    IC Courtesy Pay Overdraft Fee (Labeled on statement as Paid ACH EOD NSF Fee or Paid EOD NSF Fee for checks)$30.00 per item
    IC Courtesy Pay Overdraft Sweep (Labeled on statement as Overdraft Transfer Fee)$15.00 per day