Accounts

Membership Share Savings
Savings Piggy Bank ImageOur official membership account and it’s Free! This savings account provides you membership into our credit union and access to all of the benefits of a credit union membership. Your initial deposit of $5.00 serves as your share of ownership in the credit union. This account pays dividends, which are calculated daily, and credited to your account monthly. Note…To easily segment your savings goals, additional Share Savings accounts can be opened!

Christmas Club
Make saving for the holidays simple and easy!
With restricted withdrawals, you don’t have to worry about dipping into your holiday savings throughout the year. There is no minimum balance required and no monthly fees. Your Christmas Club funds will be automatically deposited to your Share Savings account annually on October 31st. This account pays dividends, which are calculated daily, and credited to your account monthly.

Money Market Account
Savings with a twist!
This account provides you the opportunity to earn dividends, and allows you to write up to 6 checks per statement cycle. The initial minimum deposit required is $1,000, and there is no monthly service charge. Dividends are calculated daily, and credited to your account monthly. This account has a tiered-rate structure. The more you save, the more you earn!  Contact us for current rates.

Share Certificates
Let us pay you a higher dividend, for your commitment to save!
We have short term and long term options available. The initial minimum deposit to open is $1,000.00. Dividends are compounded daily and credited monthly to the certificate. Penalties for early withdrawal apply.

Free Checking 
Once you’ve opened your Share Savings account, we encourage you to open a Share Draft account. This account allows you the convenience of check writing and debit transactions at no cost to you. There is no minimum balance required, no monthly service charge, and no per check charge. The initial minimum deposit to open is $50.00.

Checking Rebuilder
The credit union firmly believes in helping our members achieve financial success, and part of that is helping some of our members rebuild and re-establish their accounts. This checking account has a $10 monthly service fee and requires an initial minimum deposit of $50.00.  Stop in and see us today to start your new beginning!

SACFCU Debit Card ArtworkOur debit cards come free of charge with our checking accounts, and can be used for purchases anywhere that Visa is accepted and for cash withdrawals at an ATM. ATM withdrawals can be made free of charge at any SACFCU branch location and at any Publix Presto! ATM.

CardValet AppTake Control Of Your Debit Cards!
Save time and gain peace of mind knowing you can control the cards in your wallet with the phone in your pocket. If you misplace your debit card, you can immediately lock the card with your smartphone and unlock it once your card is found. You will also enjoy the convenience of real time transaction notifications, ability to restrict transactions, set security preferences, set spending limits, and more.  Get the CardValet App today!

Debit Card Round Up… Save your change every time you use your debit card!
Watch your savings grow when you round up your debit card purchases to the next dollar! Enroll at the credit union and have the difference transferred to your Savings account each day.

Verified by Visa… Protect your Visa Debit Card and/or Visa Credit Card while shopping online!
Simply choose a personal password, and secure your online shopping experience. Click here to enroll for this free service.

Individual Retirement Accounts (IRAs)

Egg with IRA written on it, in a nest

We can help you save for retirement! Our IRAs allow you to make deposits anytime throughout the year without needing to wait for a certificate to mature. There is no service charge and no minimum balance requirement. The initial minimum deposit to open is $5.00. Dividends are calculated daily and credited monthly to the account. Please visit www.irs.gov for more detailed information regarding your eligibility and contribution limits.

Youth Savings
Share Savings... Save your pennies for Free!
This savings account provides you membership into our credit union and access to all of the benefits of credit union membership. The initial minimum deposit to open is $5.00. Your initial $5.00 serves as your share of ownership in the credit union and will be placed on hold throughout the life of your membership. Dividends are calculated daily, compounded and credited monthly to your account.

Youth Checking
Have you started your first job? Do you need access to your money at night and on the weekends? Our Checking account is the perfect fit!
Once you’ve opened your savings account, we encourage you and your parents to open a joint checking account. This account will allow you the convenience of check writing and debit transactions at no cost to you. Beware, this is a fully functional checking account so you will need to be very responsible with balancing your checkbook and keeping track of your transactions!

There is no minimum balance required, no monthly service charge, and no per check charge. The initial deposit to open is $50.00.

Mobile phone with SACFCU AppDebit Cards are available for checking accounts and to help protect your debit card we offer the free app, CardValet.

Don't forget to download our SACFCU Mobile App to keep track of your accounts and to make mobile deposits!

Youth Loans
Our Credit Builder Products* are a great way to begin building good credit!
You must be 18 to apply.
Your credit will follow you throughout your life. In fact, you can think of your credit report as your financial reputation. Your credit score determines how much interest you will pay on loans, it factors into how much you will pay for car insurance premiums, and in many cases it will be a factor in qualifying for the job you really want. We want to help you begin your credit building journey in a safe and positive way. That’s why we created the following loan products to get you started on the right foot…

  • Credit Builder Loan… We’ll deposit funds into a savings account and give you a loan against the funds! You will build credit and have a well established savings account when the loan is paid in full.
    Apply Now  - You must be 18 to apply.
  • Secure Credit Card… Your savings will determine your credit limit. This credit card allows you the convenience of a credit card, while helping you spend responsibly.
    Apply Now  - You must be 18 to apply.
  • First Time Auto Buyer Program…Did you know you can purchase a car without a co-signer? If you've had a job for 6 months and have been a SACFCU member for 1 year, we can finance up to 100% of the purchase price! We will even provide you with a pre-approval letter to take to the dealership of your choice. Buying your first car has never been so easy!
    Apply Now  - You must be 18 to apply.
  • Sallie Mae’s Smart Option Student Loan … For college expenses not covered by scholarships and federal loans, Sallie Mae brings you loans with great repayment options and competitive rates. More info or to apply
    *all loan products are subject to underwriting.

Additional Resources for Youth
Check out these great sites!
Biz Kid$ – for Ages 9-16
Claim Your Youth – Financial Education for Teens
Kirby Kangaroo – Financial fun for kids, plus check out the free Kirby Catch & Save app

Deposit Rates

Savings Rates - Effective Sunday, April 1, 2018
APYMinimum
Deposit
Minimum
Balance
MEMBERSHIP SHARE SAVINGS0.100%$5.00$5.00
ADDITIONAL SHARE SAVINGS0.100%$5.00$5.00
FREE CHECKING0.000%$50.00$0.00
CHECKING REBUILDER0.000%$50.00$0.00
CHRISTMAS CLUB0.100%$5.00$100.00
INDIVIDUAL RETIREMENT ACCOUNT0.500%$5.00$0.00
Fees may reduce earnings. Rate may change after the account is opened. APY = Annual Percentage Yield

Certificate Rates - Effective Friday, May 25, 2018
Certificate TermAPYMinimum Deposit
6 MONTH SHARE CERT0.250%$1,000.00
12 MONTH SHARE CERT.0.350%$1,000.00
18 MONTH SHARE CERT.0.500%$1,000.00
24 MONTH SHARE CERT.0.850%$1,000.00
36 MONTH SHARE CERT.1.510%$1,000.00
48 MONTH SHARE CERT.1.760%$1,000.00
60 MONTH SHARE CERT.2.530%$1,000.00
Early withdrawal penalties may apply. APY = Annual Percentage Yield.