Our Loan Officer, Arlene, was so nice to work with. Her knowledge of the loan process and her ability to listen for what we wanted in a mortgage made the transition go smoothly. A very nice experience.
SFCU Member
Checking, Savings & Certificates Rates
Checking Rates
Effective Date: Wednesday, April 8, 2026
| Account Type | Interest Rate | APY* |
|---|---|---|
| FREE Checking | .05% | .05% |
Refer to the account disclosure page for more information.
Rates subject to change without notice.
*Annual Percentage Yield.
Kasasa Cash® Rates
If qualifications are met.
Effective Date: Wednesday, April 8, 2026
| Balance | Interest Rate | APY* |
|---|---|---|
| 0-$10,000 | 1.98% | 2.00% (1.98% if linked to Kasasa Saver®) |
| $10,000+ | 0.15% | 2.00%-0.32% |
| All balances if qualifications are not met | 0.05% | 0.05% |
Rates subject to change without notice.
*Annual Percentage Yield.
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle.
Refer to the applicable Kasasa® account disclosure page for more information.
Kasasa Saver® Rates
If qualifications are met.
Effective Date: Wednesday, April 8, 2026
| Balance | Interest Rate | APY* |
|---|---|---|
| 0-$100,000 | .99% | 1.00% |
| $100,000+ | 0.15% | 1.00%-.58% |
| All balances if qualifications are not met | 0.05% | 0.05% |
Rates subject to change without notice.
*Annual Percentage Yield.
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle.
Refer to the applicable Kasasa® account disclosure page for more information.
Savings Rates
Effective Date: Wednesday, April 8, 2026
| Account Type | Interest Rate | APY* |
|---|---|---|
| Statement Savings | .10% | .10% |
| Statement Money Market Account | .15% | .15% |
| Christmas Club Account | .05% | .05% |
Refer to the account disclosure page for more information.
Rates subject to change without notice.
*Annual Percentage Yield.
Individual Retirement Account (IRA) Rates
Effective Date: Wednesday, April 8, 2026
| Account Type | Interest Rate | APY* |
|---|---|---|
| Traditional IRA Account | .40% | .40% |
| Roth IRA Account | .40% | .40% |
Refer to the account disclosure page for more information.
Rates subject to change without notice.
*Annual Percentage Yield.
Term Share Certificates Rates
Effective Date: Wednesday, April 8, 2026
| Account | Term | Interest Rate | APY* |
|---|---|---|---|
| Term Share Certificates | 6 Months | 0.25% | 0.25% |
| Term Share Certificates | 7 Months** | 3.68% | 3.75% |
| Term Share Certificates | 12 Months | 0.45% | 0.45% |
| Term Share Certificates | 24 Months | 0.55% | 0.55% |
| Term Share Certificates | 36 Months | 0.70% | 0.70% |
| Term Share Certificates | 48 Months | 0.80% | 0.80% |
| Term Share Certificates | 60 Months | 1.00% | 1.00% |
Refer to the account disclosure page for more information.
A penalty may be imposed for withdrawals before maturity.
Rates subject to change without notice.
*Annual Percentage Yield.
**Special term for a limited time only.
Traditional Individual Retirement Account (IRA) Term Share Certificate Rates
Effective Date: Wednesday, April 8, 2026
| Account | Term | APY* |
|---|---|---|
| Traditional IRA Term Share Certificate | 7 Months** | 3.75% |
| Traditional IRA Term Share Certificate | 12 Months | 0.45% |
| Traditional IRA Term Share Certificate | 24 Months | 0.55% |
| Traditional IRA Term Share Certificate | 36 Months | 0.70% |
| Traditional IRA Term Share Certificate | 48 Months | 0.80% |
| Traditional IRA Term Share Certificate | 60 Months | 1.00% |
Refer to the account disclosure page for more information.
A penalty may be imposed for withdrawals before maturity.
Rates subject to change without notice.
*Annual Percentage Yield.
**Special term for a limited time only.
Roth Individual Retirement Account (IRA) Term Share Certificate Rates
Effective Date: Wednesday, April 8, 2026
| Account | Term | APY* |
|---|---|---|
| Roth IRA Term Share Certificate | 7 Months** | 3.75% |
| Roth IRA Term Share Certificate | 12 Months | 0.45% |
| Roth IRA Term Share Certificate | 24 Months | 0.55% |
| Roth IRA Term Share Certificate | 36 Months | 0.70% |
| Roth IRA Term Share Certificate | 48 Months | 0.80% |
| Roth IRA Term Share Certificate | 60 Months | 1.00% |
Refer to the account disclosure page for more information.
A penalty may be imposed for withdrawals before maturity.
Rates subject to change without notice.
*Annual Percentage Yield.
**Special term for a limited time only.
Youth Account Rates
Effective Date: Wednesday, April 8, 2026
| Account Type | Interest Rate | APY* |
|---|---|---|
| DinoSavers℠ | .10% | .10% |
| TeenCents Checking℠ | .05% | .05% |
| TeenCents Savings℠ | .10% | .10% |
Refer to the account disclosure page for more information.
Rates subject to change without notice.
*Annual Percentage Yield.
Our friend mentioned how great SFCU was to work with. The staff makes you feel welcome. Working with the mortgage team was great and very helpful.
SFCU Member
In my 30+ years in Somerset, I have never seen a financial institution with such great service. Keep up the great work, you have a great deal to be proud of.
SFCU Member
I was overall pleased with my experience. Jessica, our Money Management Officer, was easy going and very professional. She understood my circumstance, had compassion and a genuine, caring, pleasant persona for my situation.
SFCU Member