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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.


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As high as APY*

Calculate your monthly savings

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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

  • Whether you wish to send a one-time direct deposit, such as your tax refund, or your recurring paycheck – SFCU wants to make it easy.

    Here is all you need to do:

    1. Provide Routing Number, which is 221379905
    2. Provide your Account Number. DO NOT include the suffix. Ex. If your Account Number is 123456 and your checking account suffix is 0700, do not provide 123456-0700. Only provide 123456. Also, do not include any leading zeros.
    3. If the form asks if the funds go to savings or checking, make your selection. If no selection is made AND you have an SFCU checking, the funds will be deposited into the checking account.

    It’s as simple as 1-2-3. If you have any additional questions, select the chat option during virtual branch hours or call to speak with a representative.


  • You can find a detailed Service Fee Schedule here.

  • At SFCU, we know that choosing the right insurance is an important decision for your financial future. Through our partnership with TruStage, members have a variety of choices so that you can choose the plan that is right for you and your family. Our partners at TruStage offer our members options for life insurance, car insurance, homeowner’s insurance, renter’s insurance, and more.

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.