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Savings Accounts

Save money for what matters to you, faster

With SFCU savings accounts, you can create savings goals and track your progress online, so you always know how close you are to reaching your target. So whether you are saving for a summer vacation, holiday expenses, or more, it is easier than ever.

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No Monthly Service Fee

There are no monthly fees for having a Savings Account at SFCU, so you can focus on saving rather than paying.


Minimum Balance

Each member must have a primary savings with a minimum balance of $5, you can add as many additional savings accounts as you need with whatever amount works for you.


Save for Anything

With our savings accounts, you can save for anything you want. You can create a separate place to store funds for a specific goal. Then within online banking you can assign Nicknames to keep track of each account's purpose.


View rates
As high as APY*

Calculate your monthly savings

Let's see what your earnings could be.

Final Balance

Contributions:     |    Earnings: 
Minimum Opening Balance or Maintenance Fees

Put your money towards your goals, worry less

An SFCU savings account is the perfect way to start saving. You will not have to pay monthly maintenance fees and only need to maintain a $5 minimum balance in your primary savings account. Start saving at a pace that fits your budget.

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Save for Anything

Reach your short-term savings goals regardless of the occassion

With just a few clicks you can open an account to help you save for those exciting goals. Perhaps you want to save up for some home renovations, or you have a dream vacation you wish to take in the summer. With our competitive dividend rates, we can help you save more in a shorter amount of time to help you reach your goal.

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Frequently Asked Questions

  • Routing#: 221379905

  • The NCUA provides a handy Share Insurance Toolkit at

  • 9 MONTH SHARE CERTIFICATE – beginning 4/3/2023

    5.00% APY* with a $100,000 Minimum Balance


    4.75% APY* with a $500 Minimum Balance

    New Money Only

    RATES     |          877.642.7328          |          OPEN TODAY 

    *APY = Annual Percentage Yield. APY for the 9-Month term accurate as of 04/03/2023. Offer valid for new money only and does not apply to funds already on deposit with SFCU. $100,000 minimum balance required for the 5.00% APY and a $500 minimum balance is required for the 4.75% APY. Rates are reviewed weekly and are subject to change at any time without notice. The APY assumes dividends will remain on deposit until maturity. Dividends are calculated by the average daily balance method. A penalty will be imposed if a withdrawal is made prior to the maturity date. Fees may reduce earnings on account. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Membership eligibility required.


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

— Pam W

How it works

Start saving for your goals right away with just a few steps.

  • 1

    Open an account

    Apply for an account online or in-person at one of our branches.

  • 2

    Deposit regularly

    Set-up direct deposit. The more you deposit, and the more frequently you deposit, you can reach your goals sooner.

  • 3

    Achieve your goal

    With competitive rates, your savings can grow quickly to have more funds for the things you want, from a vacation, to holiday shopping expenses, and more.

Open a Savings Account


Have a question? Get in touch with us

Save for what you want the simple way

Experience the freedom to save for nearly any goal you can imagine. Save without worrying about paying fees or maintaining a minimum balance.

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