Skip nav to main content.
Savings Accounts

A safe place to store money, while earning some dividends!

Everyone needs a secure place to store money and build for their goals. A Savings Account from SFCU will allow you to store your money securely, while earning some dividends to help you reach your goals even faster.

mortgage financing options for all home types

$5 Minimum Opening Balance

It doesn't take much to start saving for your goals. Open an SFCU Savings Account with just $5.

032-digital money

Online and Mobile Banking

Keep an eye on your savings balance from your computer or mobile device with free access to online and mobile banking.

025-wallet

Withdraw Anytime

It's your money; use it as you wish! There aren't any lock-in rates, so you can withdraw money whenever you need.

022-insurance

Federally Insured

SFCU Savings Accounts are federally insured to at least $250,000 by the NCUA, so you can enjoy peace of mind knowing your funds are safe.

002-coins stack

Earn Dividends

Put your money to work and earn dividends on your savings account balance to reach your financial goals even faster.

Rates

View rates
As high as APY*

Calculate your monthly savings

Let's see what your earnings could be.

Final Balance

Contributions:     |    Earnings: 
Amount
$
Interest Rate
%
$
Months
Withdraw Anytime

Complete financial flexibility

With a Savings Account from SFCU, your funds are not locked in. You can deposit or withdraw money at any time, giving you more financial flexibility to use your savings however you need.

Untitled design (54)
Online and Mobile Banking

Keep an eye on your financial growth

When you open a Savings Account with SFCU, you'll get access to our online and mobile banking platforms. Manage your account and watch your balance grow right from your computer or mobile device — anytime, anywhere!

Untitled design (55)

Frequently Asked Questions

  • Routing#: 221379905

  • The NCUA provides a handy Share Insurance Toolkit at mycreditunion.gov

  • Log into your account online and select ClickSWITCH from the ‘Account Services’ Menu. Follow the quick and easy steps to move your direct deposit or other recurring payments to SFCU.

    If you need to set-up this up directly through your employer, 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.

  • You will need the following information to complete your online application:

    •  A Valid ID
      • This can be a valid driver’s license, a government issued photo ID, state ID, or military ID.
      • Youth Accounts Only: If minor does not have a valid driver’s license/permit. Color copy of birth certificate and/or social security card. We will also accept a copy of school identification, baptism certificate or medical card in the event both birth certificate and social security card are not available.
      • Save time by scanning the back of your driver’s license to prefill your application!
    • Your Complete Physical Address
      • If your current address does not match your ID, we will need proof of your current physical address.
      • This can be a paystub, utility bill, tax bill, or vehicle registration that includes your name and current physical address on it.
    •  Funding Method
      • Your new account can be funded with a credit card, debit card (Discover, Mastercard or Visa) or be prepared with an account number and routing number.
    • Adding Joint Owners or Beneficiaries?
      • You will need their name, address, date of birth and social security number. If you do not have that information at time of account opening, proceed with the application as an individual account and we can help you get them added later.
      • If adding a joint owner, we will also need a valid ID.
  • Parent/Guardian – Please provide one of the below:

    • US/State Driver’s License/Permit or state ID card
    • Interim ID accompanied by expired photo ID (no more than 60 days past expiration)
    • US Passport or Passport Card
    • US/State/County Sheriff’s ID
    • NY State Benefits Card with photo

    If the address on your ID does not have your current physical address or does not contain an address we must obtain proof.

    • Recent paystub (last 30 days)
    • Recent Utility Bill with service address (last 30 days)
    • Recent cell phone bill (last 30 days)
    • Current vehicle registration or vehicle insurance card
    • Current lease with landlord & renter’s signature
    • Current year property tax receipt/bill or deed

    Minor

    • Color copy of IRS issued Social Security Card
    • Color copy of Birth Certificate

    Additional options if the above are not available:

    • School Identification
    • Baptism Certificate
    • Medical Card

    Funding Method

    • Your new account can be funded with a credit card, debit card (Discover, Mastercard or Visa) or be prepared with an account number and routing number.

    Adding Joint Owners or Beneficiaries?

      • You will need their name, address, date of birth and social security number. If you do not have that information at time of account opening, proceed with the application as an individual account and we can help you get them added later.
      • If adding a joint owner, we will also need a valid ID.

Excellent service from all branches, ease of transactions, convenience and locations, friendly staff, low loan rates

— Christine D

How it works

Apply online or in branch

  • 1

    Open an account

    Provide some simple information to open your account.

  • 2

    Make an initial deposit

    Get started with an initial deposit of at least $5.

  • 3

    Save money

    Stash away funds for future goals or a rainy day.

Open a Savings Account

 

Have a question? Get in touch with us

Everyone needs a safe place to save

Enjoy the security and features of an SFCU Savings Account to help you save for your goals, a rainy day, or for the future. There's no better way to save!

Do you have an automatic payment setup from a non-SFCU Account? We've switched payment providers and we will need you to update your payment info! Update your automatic payment