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Money Management Account

Earn more dividends on your balance

Grow your balances faster with higher dividend rates, while still being able to make withdrawals at any time. With a minimum balance to open of just $2500 you can start earning more than the standard savings dividend rate.


Higher Dividends

With our higher dividend rate, you can save more and earn a better return on your savings.

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No Term Requirements

With this account, your savings are not locked away for a specific term, so you can have the financial freedom to access your funds when you need them.

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Dividends Paid Monthly

Dividends on this account are paid each month so you don't have to wait long to reap the benefits of your savings.


Avoid Maintenance Fees

Maintain the required $2500 average daily balance to earn dividends and avoid a monthly maintenance fee.


View rates
As high as APY*

Calculate your monthly savings

Let's see what your earnings could be.

Final Balance

Contributions:     |    Earnings: 
No Term Requirements

Have complete financial flexibility

You can enjoy complete access to your account balance anytime. With this account, you can take control of your finances and withdraw the funds when it's right for you.

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Higher Dividends

Enjoy earning more with this high-yield savings account

Allow your savings to work harder for you by placing your funds in this account. Your balance will grow each month at a higher rate than other savings account options.

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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.

Whenever help is needed they are always ready to help and resolve.

— Carl D

How it works

With just a few clicks, you can have an account set up and ready to save.

  • 1

    Complete an application

    Fill out an application online or at one of our branches.

  • 2

    Make initial deposit

    Deposit an amount that works for your budget. The higher the amount, the better start to your account growth.

  • 3

    Start earning

    With high dividend rates, your account will start growing quickly, and you can receive monthly dividends paid to your account.

Open a Money Management account


Have a question? Get in touch with us

Grow what you save at a faster pace

With this account, higher dividends mean that you can receive monthly payments while still being able to make withdrawals at any time.

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.