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Daily Banking

Savings Accounts that work smarter. These accounts set you up for savings success. And all your deposit and interest is protected by a rock solid 100% Deposit & Interest Guarantee*, unique to credit unions.

Savings Account Rates

Elite Savings


HARMONeY™ Savings


Save It For Later™ Savings


Term Deposit: Step-Up 18+18 Effective Rate


Term Deposit: Step-Up 9+9 Effective Rate



Elite Savings Account

Add rocket fuel to your savings with this high interest account.

  • No monthly fees
  • No minimum monthly balance required
  • High interest rate

Save It For Later™

Straightforward savings with an interest earning savings account.

  • Free with a No Fees For Me™ chequing account
  • No minimum monthly balance required
  • Link your No Fees For Me™ chequing account to boost your savings potential with ChangeUp™
  • First 15 transactions free, including:
    • First Calgary ATM, telephone, In-branch and online withdrawals
    • MemberCard Interac® direct payment purchases and cash withdrawals
    • First Cheque Global Payment Card™ purchases
    • Automated fund transfer (AFT) debits
    • Cheques

HARMONeY Account

Speed up your savings with an automatic interest bearing savings account.

  • Free with a HARMONeY chequing account
  • No minimum monthly balance required
  • Flat high interest rate
  • Links your HARMONeY chequing account to boost your savings potential with ChangeUp™

Get fixed returns

Choose a timeframe, deposit your money, and get a known outcome with Term Deposits.

  • Invest with the certainty of a fixed interest rate
  • Get a rock solid 100% Deposit & Interest Guarantee* on all of your invested capital and investment income, without limit
  • A range of maturity terms and interest rates to meet your needs
  • Simple renewal options at the end of your term

Teaching your child money savings skills?

The Future Account is free for children ages 0 to 11 years old.

  • Free of monthly fees
  • A rock solid 100% Deposit Guarantee*
  • Free unlimited automatic funds transfers (AFTs) and in-branch withdrawals

What’s ChangeUp™?

ChangeUp™ is an awesome automatic saving feature. Whenever you make a purchase with your Member Card®, ChangeUp rounds up your transaction to the nearest dollar and automatically transfer that additional amount to a linked savings account, along with up to five additional dollars per transaction.


BONUS: An account access card that’s packed with perks and accepted like a credit card!

The First Cheque™ GLOBAL PAYMENT® Mastercard®, has all the convenience, global access and flexibility of a Mastercard® credit card, without the credit card fees. It automatically deducts your purchases directly from your chequing account. Use it anywhere the Mastercard logo is displayed- including shopping online and at an ATM! Funds are automatically moved from your credit union chequing as the transaction is completed.


Only available through First Calgary Financial. Enjoy:

  • Mastercard® PayPass - an easy way to pay with a simple tap of your card at checkout.
  • Global Access - it's accepted in 210 countries and territories; and with access to cash at over 1,000,000 ATMs world-wide, it's like taking your chequing account wherever you go!
  • $1,000 Accidental Death Insurance.
  • $100,000 Common Carrier Travel Accident Insurance.
  • Extended Warranty Insurance*: The manufacturer's warranty is automatically extended for up to two additional years for items purchased with the First Cheque™ GLOBAL PAYMENT Mastercard.
  • Purchase Protection Insurance*: 90-day purchase protection against loss, theft and damage for items purchased with your First GLOBAL PAYMENT Payment Mastercard.*

Ask When You Apply



The Legal Stuff

*Terms and conditions apply. Offer not available to organizations, business or commercial accounts. The posted rate and additional interest are annualized rates, calculated daily and paid monthly. All principal and interest is 100% guaranteed by the Credit Union Deposit Guarantee Corporation, excluding common shares, investment shares, and mutual funds. All rates and products are subject to change without notice. Authorized credit approvals required for all overdraft, credit card and lending products. ATM charges from other institutions may apply. Some First Cheque™ GLOBAL PAYMENT® Mastercard® limitations apply - see the certificate of insurance when you receive your card. All trademarks are the property of their respective owners. Legal Terms of Use apply.