Financial Literacy
We offer programs that empower every generation with trusted financial education, budgeting tools, and practical money management skills.
Classroom
We offer a variety of financial literacy presentations for students from Pre-K through college, equipping them with essential money management skills and knowledge to support lifelong financial well-being.
Seminars
Our financial education seminars cover essential topics like budgeting, understanding credit scores, home buying, and more. Equipping our members with the knowledge to achieve long-term financial stability!
Webinars
Prefer to learn from home or office? Check out our webinars for expert-led financial education on a variety of topics. Join us online!
SFCU at Work
Enhance your benefits package by offering SFCU onsite visits. We can assist with opening accounts, answering questions and so much more, at no cost to you.
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Advocates Wellness Fair
Afton Central School District
Baldwinsville Central School District
Catskill Center of Independence
CDO Oneonta
Community Cultural Center
Creative Community Clubhouse
Delaware Opportunities
Deposit Central School District
FOR-DO
Gilbertsville Mount Upton Central School District
Hampton Inn
Liverpool Central School District
Liverpool Public Library
Montgomery County Sheriffs Fraud Education, Amsterdam
Norwich Central School District
Oneonta Boys and Girls Club
Sidney Central School Distirct
William B Ogden Library
YMCA of Central NY -
ACCO Brands
Advocates Incorporated
Afton Central School District
Bainbridge-Guilford Central School District
Baker High School
BOCES Norwich Campus
BOCES Sidney Center Campus
Charlotte Valley Central School District
Cooperstown Central School District
Deposit Central School District
Deposit Central School District affiliated Homeschool Students
Greene Central School District
Hamilton Fulton Montgomery BOCES
Job Corps.
Laurens School
Liverpool Public Library
Norwich Central School District
Oneonta Central School District
Oneonta Central School District
Oneonta Job Fair
Oxford Central School District
PEACE INC.
Schenevus Central School District
Sidney Junior High School
The Place, Norwich
UNALAM
Walton Central School District
Wilson’s Children Center, Deposit
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Have a question? Get in touch with us
Savings Account Rates
| Type of Account | Minimum Balance to Open | Average Daily Balance Required to Obtain Annual Percentage Yield (APY) | Dividend Rate (APR) | Annual Percentage Yield (APY) |
|---|---|---|---|---|
| Savings | $5 | $118 | 0.05% | 0.05% |
| Escrow - (SFCU Mortgages) | N/A | $118 | 0.05% | 0.05% |
| Club | N/A | $118 | 0.05% | 0.05% |
| Money Management | $2,500 | $2,500 | 0.07% | 0.07% |
| Money Management | $5,000 | 0.10% | 0.10% | |
| Money Management | $10,000 | 0.15% | 0.15% |
Rates effective as of: May 24, 2026
Membership eligibility required.
APR= Annual Percentage Rate. Dividends are calculated by the average daily balance (ADB) method.
APY = Annual Percentage Yield.
Fees may reduce earnings on account.
All rates are subject to change at any time. Membership Par Value: to establish a new membership at SFCU a minimum of $5.00 (par value) is required to be deposited and maintained in your primary savings.
Open a Savings Account
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Let's Get Started!
Not a Member?
We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.
Already a Member?
Head over to online or mobile to add a new product. See ‘xPress Accounts’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
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