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Earn Higher Dividends

Gold Checking

If you maintain a higher balance in your checking account take advantage of this golden opportunity to earn higher dividends and save on fees.


Earn Higher Dividends

Earn even higher dividends on the first $10,000 on deposit with our blended dividend. Any amount above the $10,000 Average Daily Balance (ADB) will also earn dividends based on the current Dividend Checking rate.


No Monthly Maintenance Fees

Maintain the required Average Daily Balance to earn higher dividends. If balance falls below $10,000 - no worries. Although you will not earn dividends for that month, there will be no monthly maintenance fee charged.

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No Per-Check Charge

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


No Foreign ATM Fees

Our foreign ATM service fee is waived for Gold Checking Account Members. Enjoy ATM access at 30,000 CO-OP® ATMs nationwide, so you can withdraw your funds nearly anywhere in the country (surcharge may still apply).

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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. Perform transactions on the go, access your E-Statements and so much more.

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Debit Mastercard

Use your SFCU Debit Mastercard 15 times each month for purchases to maintain your Gold Checking dividend rate qualification. It is the easy way to access your checking account and pay in-store or online.


View rates
As high as APY*

Go Gold

The Gold Checking is the ideal account if you:
- maintain an ADB of $10,000 or more each month,
- have direct deposit of $2500 or more each month,
- are enrolled in E-Statements, AND
- use an SFCU Debit Mastercard a minimum of 15 times each month to make purchases

Just by taking advantage of the products/services listed above you can earn a higher dividend rate and save on fees. As a Gold Checking Account holder you will not incur monthly maintenance fees if the Gold Checking Account balance falls below the ADB requirement and will not be charged foreign ATM service 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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A foreign ATM service fee is imposed at non-SFCU owned and CO-OP Network ATM’s. A surcharge fee may be imposed. What is a surcharge? It’s a fee charged by the ATM owner. ATM transactions do not count towards 15 required debit card purchases each month. ADB = the total number of daily balances in the account divided by the number of days in the month. Visit http://wp-content/uploads/2023/04/Truth-in-Savings-Share-Disclosure-4.4.23.pdf to view additional terms and conditions. Rates are subject to change at any time without notice. Restrictions may apply.

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 Gold 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. Earn a higher dividend rate on the first $10,000 each month.

Open a Gold Checking Account


Have a question? Get in touch with us

There is an option to earn more on your balance

Enjoy the benefits of earning more on your Gold Checking Account Balance.