Local: 607-561-7328, 607-432-1451

Toll FREE: 1-877-642-7328

SFCU Will be closed on November 28th in observance of the Thanksgiving holiday

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!

Variable Rate Savings Accounts

Web Updated 8/07/2019
Rates and APYs are effective as of the date above
All rates are reviewed weekly and could change at anytime at the Credit Union discretion.

Type Miminum Balance to Open Average Daily Balance required to obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Savings
Par Value of Share For membership
$5.00 $100.00 0.05% 0.05%
$500.00 0.05% 0.05%
$5,000.00 0.10% 0.10%
Escrow
(sfcu mortgages)
None None 0.05% 0.05%
Club None None 0.05% 0.05%
Money Management $2,500.00 $2,500.00 0.10% 0.10%
$5.000.00 0.15% 0.15%
$10,000.00 0.20% 0.20%
Checking None None 0.00% 0.00%
Consumer Dividend Checking $2,500.00 $2,500.00 0.10% 0.10%
Business Dividend Checking $5,000.00 $5,000.00 0.25% 0.25%
Business Non-Dividend Escrow Account None 0.00% 0.00%

Per Value of Shares: Minimum required to open any account is the purchase of a $5.00 par value of share in the Credit Union.

Regular Certificates

Web Updated 8/07/2019
Rates and APYs are effective as of the date above
All rates are reviewed weekly and could change at anytime at the Credit Union discretion.

Type of Certificate Term Minimum Balance required to open and obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Fixed Rate 91 Day $1,000.00 0.50% 0.49%
6 Month $1,000.00 0.60% 0.60%
9 Month $1,000.00 0.70% 0.71%
12 Month $500.00 0.85% 0.85%
18 Month $500.00 0.95% 0.95%
24 Month $500.00 1.10% 1.11%
30 Month $500.00 1.20% 1.21%
36 Month $500.00 1.30% 1.31%
48 Month $500.00 1.80% 1.82%
60 Month $500.00 2.25% 2.27%
Variable Rate 12 Month $10,000.00 0.85% 0.85%
24 Month $10,000.00 1.10% 1.11%
36 Month $10,000.00 1.30% 1.31%

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 certifi cates 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 penalty of dividends.

- Terms of 30 months, 36 months, 48 months and 60 months are subject to a 180 day penalty of dividends.

When opening a certificate certain restrictions apply, see Par Value of Share.

- Ask about “Jumbo Certificates” for deposits of $100,000.00 or more.

Traditional and Roth IRA Certificates

Web Updated 8/07/2019

Type Term Minimum Balance required to open and obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Fixed Rate Savings* $5.00 0.05% 0.05%
91 Day $1,000.00 0.50% 0.49%
6 Month $1,000.00 0.60% 0.60%
9 Month $1,000.00 0.70% 0.71%
12 Month $500.00 0.85% 0.85%
18 Month $500.00 0.95% 0.95%
24 Month $500.00 1.10% 1.11%
30 Month $500.00 1.20% 1.21%
36 Month $500.00 1.30% 1.31%
48 Month $500.00 1.80% 1.82%
60 Month $500.00 2.25% 2.27%

Payroll Deductions 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.

Coverdell Education Savings Account

Web Updated 8/07/2019

Type Term Minimum Balance required to open and obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Fixed Rate Savings* $5.00 0.05% 0.05%
91 Day $500.00 0.50% 0.49%
6 Month $500.00 0.60% 0.60%
9 Month $500.00 0.70% 0.71%
12 Month $500.00 0.85% 0.85%
18 Month $500.00 0.95% 0.95%
24 Month $500.00 1.10% 1.11%
30 Month $500.00 1.20% 1.21%
36 Month $500.00 1.30% 1.31%
48 Month $500.00 1.80% 1.82%
60 Month $500.00 2.25% 2.27%

* There are no dividend penalties on the Coverdell ESA Savings Account

Variable Rate Health Savings Account

Web Updated 8/07/2019

Type Minimum Balance to Open Average Daily Balance required to obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Checking $5.00 $100.00 0.10% 0.10%
$500.00 0.30% 0.30%
$5,000.00 0.50% 0.50%

Health Savings Account Certificates

Web Updated 8/07/2019

Type Certificate Term Minimum Balance required to obtain the Annual Percentage Yield Dividend Rate (APR) Annual Percentage Yield (APY)
Fixed Rate 12 Months $500.00 0.85% 0.85%
24 Months $500.00 1.10% 1.11%
36 Months $500.00 1.30% 1.31%
48 Months $500.00 1.80% 1.82%
60 Months $500.00 2.25% 2.27%

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.

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Phone: 877 642-7328

ART (Audio Response Teller)

Local: 607-561-7328, 607-432-1451

Toll Free: 1-877-642-7328

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Rates and earnings advertised through sfcu's website, ads, and promotions may be subject to change based on account fees.

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