Save For What Matters Most

Options To Help Reach Your Goals

Save For What Matters Most

Options To Help Reach Your Goals
Account Options
Certificates and IRAs
Savings Calculators
Open an Account

Basic Savings Accounts

Our Basic Savings Account is the perfect option for saving money for short-term needs. Whether saving for an emergency fund, vacation or an unplanned medical expense, a basic savings account is the perfect place to save. FORUM’s account offers:

  • No monthly fees
  • $5 account minimum (this $5 represents your ownership in FORUM)
  • Free online banking, bill pay, and mobile app
  • Access to more than 5,000 ATM and shared branch locations
  • Earn dividends on $100 or more

Plan Your Future With Our Calculators

Share Certificates

A share certificate is a great way to lock in a high dividend rate on your savings.  FORUM offers various certificate terms and rates to meet your needs.

  • Competitive dividend rates
  • Terms from 91 days to 10 years
  • Minimum balance requirements as low as $500
  • Aware Youth Certificates for kids and teens up to 19 years old

Easy Ways To Save

Automate Saving & Earn More! 

CommonCents is a savings account tied to a YOUR Checking Account that automates your savings. Designate how much you want to save, and with every debit card transaction, the designated amount will automatically move from YOUR Checking Account, to your CommonCents Account. Plus, you can earn a high dividend, receive a bonus reward, and make an additional deposit each month. Choose how much to save with every transaction (1¢ – $1).1

  • Competitive dividend rates
  • $2 cash bonus for having 30 or more debit card transactions per month
  • One automatic transfer allowed each month ($200 limit)
  • Withdraw money at any time

Open a CommonCents Account Today!

Make Saving Fun!

FORUM offers a prize-based savings account that makes saving fun! Starting January 2021 FORUM's updated, prize-based savings account (Bonus 5 Fund) debuts with the chance for even more members to win cash every month and annually! You must be 18 or older to open this account. 

  • 5 members making $25-$100 monthly deposits are eligible to win $50
  • 5 members making $500 - $1,200 annual deposits with account balance of $500 are eligible to win $500
  • Competitive dividend rate
  • Ability to setup automatic transfers into the account
  • Make unlimited account withdrawals for unplanned expenses

Learn More About Prize-Based Savings

Up For A Challenge?

This incremental savings plan helps you save $1,378 in one year!

  • Save 50 of the 52 weeks to be entered to win $1,378
  • Competitive dividend rates
  • Use online banking to setup automatic account transfers
  • Create and receive text or email deposit alerts
  • Enrollment begins November 1 each year 

Learn More About The 52-Week Money Challenge

Saving For The Holidays?

A Santa Savings Account is the perfect place to save extra holiday expenses. Deposits into this account can be made using payroll deduction, automatic online transfers, or deposits made online or at a branch.

  • Competitive dividend rates2
  • Funds available on or before September 30 each year

Open a Santa Savings Account Today!

Automate Saving & Earn More! 

CommonCents is a savings account tied to a YOUR Checking Account that automates your savings. Designate how much you want to save, and with every debit card transaction, the designated amount will automatically move from YOUR Checking Account, to your CommonCents Account. Plus, you can earn a high dividend, receive a bonus reward, and make an additional deposit each month. Choose how much to save with every transaction (1¢ – $1).1

  • Competitive dividend rates
  • $2 cash bonus for having 30 or more debit card transactions per month
  • One automatic transfer allowed each month ($200 limit)
  • Withdraw money at any time

Open a CommonCents Account Today!

Make Saving Fun!

FORUM offers a prize-based savings account that makes saving fun! Starting January 2021 FORUM's updated, prize-based savings account (Bonus 5 Fund) debuts with the chance for even more members to win cash every month and annually! You must be 18 or older to open this account. 

  • 5 members making $25-$100 monthly deposits are eligible to win $50
  • 5 members making $500 - $1,200 annual deposits with account balance of $500 are eligible to win $500
  • Competitive dividend rate
  • Ability to setup automatic transfers into the account
  • Make unlimited account withdrawals for unplanned expenses

Learn More About Prize-Based Savings

Up For A Challenge?

This incremental savings plan helps you save $1,378 in one year!

  • Save 50 of the 52 weeks to be entered to win $1,378
  • Competitive dividend rates
  • Use online banking to setup automatic account transfers
  • Create and receive text or email deposit alerts
  • Enrollment begins November 1 each year 

Learn More About The 52-Week Money Challenge

Saving For The Holidays?

A Santa Savings Account is the perfect place to save extra holiday expenses. Deposits into this account can be made using payroll deduction, automatic online transfers, or deposits made online or at a branch.

  • Competitive dividend rates2
  • Funds available on or before September 30 each year

Open a Santa Savings Account Today!

IRAs & Money Market Accounts

Individual Retirement Accounts (IRAs)

FORUM offers Traditional, Roth, Liquid, and Educational IRA accounts. FORUM's Traditional IRAs include tax-deferred earnings, and contributions may be tax-deductible. FORUM's Roth IRA also includes earnings that may be tax free, but contributions are not tax deductible. The educational savings account features tax-free withdrawals on qualified educational expenses.3  Liquid IRAs are a special type of IRA that allow members to make contributions each year to the same certificate. See answers to commonly asked questions about Liquid IRAs. 

  • Competitive tiered rates
  • Security provided by guaranteed rates
  • Rate increase opportunities depending on IRA type
  • May include tax benefits
 

Call Or Visit A Local Branch To Open An IRA Or Certificate

 

Money Market Accounts

Our Money Market Accounts offer a safe and secure way to grow your savings. They are designed with a maximum rate potential, giving you more liquidity.

  • Tiered rates that range from $5,000 to $250,000
  • Ability to add to balance at any time
  • Withdraw money without losing dividends4
  • Free online banking for easy account transfers
  • Access to more than 5,000 ATM and shared branch locations
  • Limited check writing (6 per month)

Savings Calculators

1FORUM membership, YOUR checking account, and eStatements are requirements of the CommonCents savings account. A CommonCents account cannot be opened with an initial deposit amount. Automatic transfer and change transfer will not be completed if there are insufficient funds in checking account.

2Penalty for Santa Savings Account early withdrawal and/or closure fee

3The above IRA information is not intended to be advice. Consult a tax advisor for your specific situation.

4Withdrawl fee may apply for Money Market Accounts

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