Membership Share Savings

Our 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!

Printable Forms:
Direct Deposit Request Form

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 November 1st. This account pays dividends (when the account balance is a minimum of $100), which are calculated daily and credited to your account monthly.

Money Market Account
Earn dividends while you save!
A money market account is a great tool to earn dividends on your savings. The required initial minimum deposit is $500; there is no monthly service charge; and you can write up to six checks from the account each month. Accounts begin earning dividends with a minimum balance of $1,000. Dividends are calculated daily and credited to your account monthly. Money market accounts have a tiered rate structure – the more you save, the more you can earn.  Contact us for the current APY 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.

Classic Checking 
Once you’ve opened your Share Savings account, we encourage you to open a Share Draft account. Everyone needs a checking account! You’ll appreciate the convenience of Debit transactions at ATMs and businesses, cash back, check writing, and Mobile Check Deposit via our SACFCU Mobile App. The initial minimum deposit to open is $50.00.

Printable Forms:
Direct Deposit Request Form

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's New Debit CardOur debit cards come free of charge with our checking accounts, and can be used for purchases anywhere that Visa is accepted & for ATM cash withdrawals. ATM withdrawals can be made free of charge at any SACFCU branch locations and at any Publix Presto! ATMs in 7 states.

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.

Are you traveling to exotic places?  Let’s get your SACFCU debit and credit cards ready for travel!
Travel Notification

To Report a Lost or Stolen Visa Debit Card

Individual Retirement Accounts (IRAs)

Egg with IRA written on it, in a nest We can help you save for retirement! Our IRAs have 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 the IRS website for more detailed information regarding your eligibility and contribution limits.

Youth Savings
Share Savings… Watch Your Savings Grow!
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! iphone displaying SACFCU mobile app
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. Debit Cards are available for checking accounts. 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 for a Credit Builder Loan 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 for a Secure Credit Card 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 for a First Time Auto Loan 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.
    Learn more about Sallie Mae’s Smart Option Student Loan or apply now *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 RatesEffective Sunday, October 1, 2023
CLASSIC CHECKING0.00%$50.00$0.00
CHECKING REBUILDER0.00%$50.00$0.00
CHRISTMAS CLUB0.10%$5.00$100.00
MONEY MARKET ACCOUNT1.51% $100000.00
MONEY MARKET ACCOUNT1.13% $250000.00
MONEY MARKET ACCOUNT0.75% $500000.00
Fees may reduce earnings. Rate may change after the account is opened. APY = Annual Percentage Yield. Minimum Deposit required to open the account. Minimum balance required to earn interest.

Certificate RatesEffective Wednesday, May 29, 2024
Certificate TermAPYMinimum Deposit
IRA CERTIFICATE – 6 MONTH4.50%$1000.00
IRA CERTIFICATE – 12 MONTH4.25%$1000.00
IRA CERTIFICATE – 18 MONTH4.10%$1000.00
IRA CERTIFICATE – 24 MONTH3.85%$1000.00
IRA CERTIFICATE – 36 MONTH3.65%$1000.00
IRA CERTIFICATE – 48 MONTH3.57%$1000.00
IRA CERTIFICATE – 60 MONTH3.45%$1000.00
Early withdrawal penalties may apply. APY = Annual Percentage Yield.