Dividend Checking
Earn dividends on your checking account balance while maintaining financial flexibility to make purchases.
Earn Dividends
Unlike other checking accounts, you can earn dividends on this account's balance while maintaining the ability to withdraw funds simply by maintaining a $2500 Average Daily Balance.
Avoid Maintenance Fees
Maintain the required Average Daily Balance (ADB) to earn dividends and avoid a monthly maintenance fee.
No Per-Check Charge
Write checks without being charged each time, unlike alternative account options.
Free ATM Access
Enjoy free ATM access at 30,000 CO-OP® ATMs nationwide, so you can withdraw your funds nearly anywhere in the country.
Online and Mobile Banking
Always know what is happening with your account no matter where you are or what time it is.
Zelle Payments
Send funds to family or friends using SFCU Mobile Banking, no additional app download required.
Rates
View ratesCalculate your monthly savings
Let's see what your earnings could be.
Final Balance
Contributions: | Earnings:With Kwik Kash, your account may be protected from overdraft fees
A Kwik Kash line of credit will potentially cover charges that exceed your account balance, up to your approved credit limit. Ask about other overdraft protection options.
Prevent account maintenance fees and save money
At other financial institutions, you may find yourself paying account maintenance fees regardless of how large your balance is. With our Dividend Checking account, if you maintain an average daily balance of $2500, you will not be charged additional fees.
Order Checks Online
Our partners at Harland Clarke will make the process of getting new checks easy and quick. We ask that you do not place your order online and contact us directly if:
• You are a Senior Club Member
• This is your first time ordering
• It has been 3+ years since last order
• Your name and/or address has changed
For all other orders, your account number is displayed on the bottom of your check OR on the bottom of your reorder form 1531xxxxxxxxxx (must be 14 digits long). The routing number for SFCU is 221379905.
Excellent customer service!! SFCU provides that small town service which is very hard to find these days.
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1
Open account
Apply online or at one of our branch locations and we will notify you of your approval status.
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2
Make initial deposit
Deposit funds into your account to start earning.
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3
Earn on your balance
You can use funds for expenses and make regular deposits to grow your balance. The higher your balance, the more dividends you can earn.
Have a question? Get in touch with us
There is an option to earn on your balance
Imagine enjoying the same benefits of a Free Checking account while earning dividends. With Dividend Checking, that is possible.
Checking Account Rates - Consumer
| Type of Account | Minimum Balance | Average Daily Balance Required to Obtain Annual Percentage Yield (APY) | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
Free Checking |
N/A |
N/A |
0.00% |
0.00% |
|
Dividend Checking |
$2,500 |
$2,500 |
0.10% |
0.10% |
|
Evergreen Checking (Under 18) |
N/A |
N/A |
0.00% |
0.00% |
|
Gold Checking* |
$10,000 |
$10,000 |
2.00% |
2.02% |
|
Gold Checking |
Over $100,000 |
0.10% |
0.10% |
|
|
Platinum Checking** |
$100,000 |
$100,000 |
3.00% |
3.04% |
|
Platinum Checking |
Over $100,000 |
0.10% |
0.10% |
as of 09/03/2024
APR= Annual Percentage Rate.
APY = Annual Percentage Yield. Dividends are calculated by the average daily balance (ADB) method. Fees may reduce earnings on account.
*Member must meet the following qualifications each statement cycle to earn rate: (1) Maintain an average daily balance of $10,000 (2) post and clear 15 debit card purchases; (3) post at least $2,500 in direct deposit(s) of salary, pension, or government benefits; (4) receive eStatements. Transfers and ATM transactions do not count as qualifying transactions. Dividends earned on balances exceeding $10,000 will be at the same rate as the Dividend Checking and will be posted as a combined rate.
**Member must meet the following qualifications each statement cycle to earn rate: (1) Maintain an average daily balance of $100,000 (2) post and clear 15 debit card purchases; (3) post at least $2,500 in direct deposit(s) of salary, pension, or government benefits; (4) receive eStatements. Transfers and ATM transactions do not count as qualifying transactions. Dividends earned on balances exceeding $10,000 will be at the same rate as the Dividend Checking and will be posted as a combined rate.
All rates are subject to change at any time. Membership Par Value: to establish a new membership at SFCU a minimum of $5.00 (par value) is required to be deposited and maintained in your primary savings.
Open a Dividend Checking Account
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