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Grow your checking account funds faster

Dividend Checking

Earn dividends on your checking account balance while maintaining financial flexibility to make purchases.

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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.

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Avoid Maintenance Fees

Maintain the required Average Daily Balance (ADB) to earn dividends and avoid a monthly maintenance fee.

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No Per-Check Charge

Write checks without being charged each time, unlike alternative account options.

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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.

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Online and Mobile Banking

Always know what is happening with your account no matter where you are or what time it is.

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Zelle Payments

Send funds to family or friends using SFCU Mobile Banking, no additional app download required.

Rates

View rates
As high as APY*

Calculate your monthly savings

Let's see what your earnings could be.

Final Balance

Contributions:     |    Earnings: 
Amount
$
Rate
%
$
Months
Overdraft Protection

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.

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No fees with a minimum balance

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.

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Get Checks

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.

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Excellent customer service!! SFCU provides that small town service which is very hard to find these days.

— Pam W

How it works

Getting your own Dividend Checking account only takes a few steps.

  • 1

    Open account

    Apply online or at one of our branch locations and we will notify you of your approval status.

  • 2

    Make initial deposit

    Deposit funds into your account to start earning.

  • 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.

Open a Dividend Checking Account

 

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.

Effective 4/13/24 โ€“ Market St. branch will be temporarily closed on Saturdays due to construction (ATM still available). Our Oneida St branch will be open on Saturdays from 9am โ€“ 12pm.