Effective Date: Wednesday, December 3, 2025
| Account Type | Interest Rate | APY* |
|---|---|---|
| FREE Checking | .05% | .05% |
Refer to the fee schedule and account disclosure page for more information.
Rates subject to change without notice.
*Annual Percentage Yield.
If qualifications are met.
Effective Date: Wednesday, December 3, 2025
| 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.
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.
If qualifications are met.
Effective Date: Wednesday, December 3, 2025
| 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.
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.
Effective Date: Wednesday, December 3, 2025
| Account Type | Interest Rate | APY* |
|---|---|---|
| Statement Savings | .10% | .10% |
| Statement Money Market Account | .15% | .15% |
| Christmas Club Account | .05% | .05% |
Refer to the fee schedule and account disclosure page for more information.
Rates subject to change without notice.
*Annual Percentage Yield.
Effective Date: Wednesday, December 3, 2025
| Account Type | Interest Rate | APY* |
|---|---|---|
| Traditional IRA Account | .40% | .40% |
| Roth IRA Account | .40% | .40% |
Refer to the fee schedule and account disclosure page for more information.
Rates subject to change without notice.
*Annual Percentage Yield.
Effective Date: Wednesday, December 3, 2025
| Account | Term | Interest Rate | APY* |
|---|---|---|---|
| Term Share Certificates | 6 Months | 0.25% | 0.25% |
| Term Share Certificates | 7 Months** | 3.97% | 4.05% |
| 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 fee schedule and 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.
Effective Date: Wednesday, December 3, 2025
| Account | Term | APY* |
|---|---|---|
| Traditional IRA Term Share Certificate | 7 Months** | 4.05% |
| 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 fee schedule and 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.
Effective Date: Wednesday, December 3, 2025
| Account | Term | APY* |
|---|---|---|
| Roth IRA Term Share Certificate | 7 Months** | 4.05% |
| 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 fee schedule and 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.
Effective Date: Wednesday, December 3, 2025
| Account Type | Interest Rate | APY* |
|---|---|---|
| DinoSavers℠ | .10% | .10% |
| TeenCents Checking℠ | .05% | .05% |
| TeenCents Savings℠ | .10% | .10% |
Refer to the fee schedule and account disclosure page for more information.
Rates subject to change without notice.
*Annual Percentage Yield.
This was the first time I had purchased a vehicle without going through a dealer for financing. When I went to the Credit Union I was seen immediately by the Loan Department. The Loan Officer was very knowledgeable. I was given a list of documents to gather and was promptly taken care of when I returned with them. My wife will be contacting your office about refinancing her student loans.
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.
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.
I sincerely appreciate the personalized experience we receive from all of the staff at SFCU, whether it be the person greeting you at the front door, the tellers, the staff that helps with notarizations, mortgages or wire transfers. I have dealt with all of these areas at the Credit Union and have always been assisted in a timely, friendly and helpful manner. It is by far the best bank/credit union I do and have ever done business with.
