Savings Rates

Saving is a great game: As long as you play, you win. And the more you play, the more you win. sfcu gives you every way to play: Money markets, Christmas clubs, vacation clubs, basic savings. All your accounts are insured up to $250,000 by the federal government. So you can’t lose!

Print Rates

Type of Account	Minimum Balance to Open	Average Daily Balance required to obtain the Annual Percentage Yield	Dividend Rate (APR)	Annual Percentage Yield (APY)
Variable Rate Savings Accounts Rates and APYs are effective as of 5/1/2020 All rates are reviewed weekly and could change at anytime at the Credit Union discretion. Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.
Savings Par Value of Share For membership	$5.00	$100	0.05%	0.05%
		$500	0.05%	0.05%
		$5,000	0.05%	0.05%
Escrow (sfcu mortgages)	None	None	0.05%	0.05%
Club	None	None	0.05%	0.05%
Money Management	$2,500	$2,500	0.07%	0.07%
		$5.000	0.10%	0.10%
		$10,000	0.15%	0.15%
Checking	None	None	0.00%	0.00%
Consumer Dividend Checking	$2,500	$2,500	0.10%	0.10%
Basic Business Checking	None	None	0.00%	0.00%
Business Dividend Checking	$5,000	$5,000	0.25%	0.25%
Community Checking	None	None	0.00%	0.00%
Business Non-Dividend Escrow Account		None	0.00%	0.00%
Basic Business Checking has a $5.00 monthly fee if the average daily balance falls below $500 Basic Business Checking & Business Dividend Checking allow for unlimited account transactions with no fees Community Checking Account is for Not-for-Profit Corporations, Organizations, and Associations. There are no minimum or average daily balance requirements associated with this product.

Type of Certificate	Term	Minimum Balance required to open and obtain the Annual Percentage Yield	Dividend Rate (APR)	Annual Percentage Yield (APY)
Regular Certificates Rates and APYs are effective as of 9/23/2020 All rates are reviewed weekly and could change at anytime at the Credit Union discretion. Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.
Fixed Rate	91 Day	$500 $100,000 + over	0.15% 0.20%	0.15% 0.20%
	6 Month	$500 $100,000 + over	0.20% 0.25%	0.20% 0.25%
	9 Month	$500 $100,000 + over	0.25% 0.30%	0.25% 0.30%
	12 Month	$500 $100,000 + over	0.30% 0.35%	0.30% 0.35%
	18 Month	$500 $100,000 + over	0.40% 0.45%	0.40% 0.45%
	24 Month	$500 $100,000 + over	0.50% 0.55%	0.50% 0.55%
	30 Month	$500 $100,000 + over	0.55% 0.60%	0.55% 0.60%
	36 Month	$500 $100,000 + over	0.60% 0.65%	0.60% 0.65%
	48 Month	$500 $100,000 + over	0.70% 0.75%	0.70% 0.75%
	60 Month	$500 $100,000 + over	0.80% 0.85%	0.80% 0.85%
Variable Rate	12 Month	$10,000	0.30%	0.30%
	24 Month	$10,000	0.50%	0.50%
	36 Month	$10,000	0.60%	0.60%
Once a Variable Rate certificate is opened, the rate will only change upon your written request. The 12 month will allow for 1 change and the 24 or 36 month will allow for 2 changes. The APY is based on an assumption that 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 done prior to the maturity date. The penalty could result in a deduction of principal. All certificates are subject to the following dividend penalties. - Terms of 91 days, 6 months, 9 months and 12 months are subject to a 30 day penalty of dividends. - Terms of 18 months and 24 months are subject to a 90 day penalty of dividends. - Terms of 30 months, 36 months, 48 months and 60 months are subject to a 180 day penalty of dividends.

Type of Account or Certificate	Term	Minimum Balance required to open and obtain the Annual Percentage Yield	Dividend Rate (APR)	Annual Percentage Yield (APY)
Traditional and Roth IRA Certificates Rates and APYs are effective as of 9/23/2020 All rates are reviewed weekly and could change at anytime at the Credit Union discretion. Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.
Fixed Rate	Savings*	$5	0.05%	0.05%
	91 Day	$1,000	0.15%	0.15%
	6 Month	$1,000	0.20%	0.20%
	9 Month	$1,000	0.25%	0.25%
	12 Month	$500	0.30%	0.30%
	18 Month	$500	0.40%	0.40%
	24 Month	$500	0.50%	0.50%
	30 Month	$500	0.55%	0.55%
	36 Month	$500	0.60%	0.60%
	48 Month	$500	0.70%	0.70%
	60 Month	$500	0.80%	0.80%
Payroll Deduction available on IRA Savings/No set up fee or maintenance fees. We accept Rollovers, Direct Rollovers from Qualified Retirement Plans and Direct Transfer Contributions. There will be no dividend penalty on IRA Certificates if the IRA owner is 59 1/2 years of age or older. * There are no dividend penalties on the IRA Savings Account.

Type of Account or Certificate	Term	Minimum Balance required to open and obtain the Annual Percentage Yield	Dividend Rate (APR)	Annual Percentage Yield (APY)
Coverdell Education Savings Account Rates and APYs are effective as of 9/23/2020 All rates are reviewed weekly and could change at anytime at the Credit Union discretion. Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.
Fixed Rate	Savings*	$5	0.05%	0.05%
	91 Day	$500	0.15%	0.15%
	6 Month	$500	0.20%	0.20%
	9 Month	$500	0.25%	0.25%
	12 Month	$500	0.30%	0.30%
	18 Month	$500	0.40%	0.40%
	24 Month	$500	0.50%	0.50%
	30 Month	$500	0.55%	0.55%
	36 Month	$500	0.60%	0.60%
	48 Month	$500	0.70%	0.70%
	60 Month	$500	0.80%	0.80%
* There are no dividend penalties on the Coverdell ESA Savings Account

Type of Account	Minimum Balance to Open	Average Daily Balance required to obtain the Annual Percentage Yield	Dividend Rate (APR)	Annual Percentage Yield (APY)
Variable Rate Health Savings Account Rates and APYs are effective as of 1/17/2020 All rates are reviewed weekly and could change at anytime at the Credit Union discretion. Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.
Checking	$5	$100	0.10%	0.10%
		$500	0.30%	0.30%
		$5,000	0.50%	0.50%

Type of Certificate	Certificate Term	Minimum Balance required to obtain the Annual Percentage Yield	Dividend Rate (APR)	Annual Percentage Yield (APY)
Health Savings Account Certificates Rates and APYs are effective as of 9/23/2020 All rates are reviewed weekly and could change at anytime at the Credit Union discretion. Par Value of Shares: Minimum required to open any account is the purchase of a $5 par value of share in the Credit Union.
Fixed Rate	12 Months	$500	0.30%	0.30%
	24 Months	$500	0.50%	0.50%
	36 Months	$500	0.60%	0.60%
	48 Months	$500	0.70%	0.70%
	60 Months	$500	0.80%	0.80%
All certificates are subject to the following dividend penalties. Terms of 91 days, 6 months, 9 months and 12 months are subject to a 30 day penalty of dividends. Terms of 18 months and 24 months are subject to a 90 day penalty of dividends. Terms of 30 months, 36 months, 48 months and 60 months are subject to a 180 day penalty of dividends.

COVID Pandemic Updates

Savings Rates

Variable Rate Savings Accounts

Regular Certificates

Traditional and Roth IRA Certificates

Coverdell Education Savings Account

Variable Rate Health Savings Account

Health Savings Account Certificates