Platinum Checking
Earn the highest dividend rate offered on an SFCU Checking and save on fees with a Platinum Checking!
Earn Our Highest Checking Dividend Rate
Earn the highest Checking Account dividend rate we offer on the first $100,000 on deposit with the blended dividend rate. Check out our rates to see just how much you could earn! Amount over the $100,000 Average Daily Balance will also earn dividends based on the current Dividend Checking rate.
No Monthly Maintenance Fees
Maintain the required Average Daily Balance (ADB) to earn higher dividends. If balance falls below $100,000 - no worries. Although you will not earn dividends for that month, there will be no monthly maintenance fee charged.
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 Platinum 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).
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.
Debit Mastercard
Use your SFCU Debit Mastercard 15 times each month for purchases to maintain your Platinum Checking dividend rate qualification. It is the easy way to access your checking account and pay in-store or online.
Rates
View ratesGo Platinum
The Platinum Checking is the ideal account if you:
- maintain an ADB of $100,000 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 our highest checking account dividend rate and save on fees. As a Platinum Checking Account holder you will not incur monthly maintenance fees if the Platinum Checking Account balance falls below the ADB requirement and will not be charged foreign ATM service 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.
Disclosure
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 https://sfcuonline.org/legal/disclosures/ 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.
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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. Earn our highest checking dividend rate on the first $100,000 each month.
Have a question? Get in touch with us
There is an option to earn more on your balance
Imagine enjoying the same benefits of a Gold Checking account while earning even higher dividends. With a Platinum Checking, it is possible!
Checking Account Rates - Consumer
| Type of Account | Minimum Balance | Average Daily Balance required to obtain the Annual Percentage Yield | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
|
Free Checking |
None |
None |
0.00% |
0.00% |
|
Dividend Checking |
$2,500 |
$2,500 |
0.10% |
0.10% |
|
Gold Checking* |
$10,000 |
$10,000 |
2.00% |
2.02% |
|
Gold Checking |
over $10,000 |
over $10,000 |
0.10% |
0.10% |
|
Platinum Checking** |
$100,000 |
$100,000 |
3.00% |
3.04% |
|
Platinum Checking |
over $100,000 |
over $100,000 |
0.10% |
0.10% |
as of 04/03/2023 APR= Annual Percentage Rate. APY = Annual Percentage Yield. The APY is based on an assumption that dividends will remain on deposit until maturity. Rates are reviewed weekly and are subject to change without notice. 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.
Open a Platinum Checking Account
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Rates effective as of: April 26, 2024
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