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
Checking, Savings & Certificates Rates
Checking Rates
Effective Date: Monday, January 5, 2026
| 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.
Kasasa Cash® Rates
If qualifications are met.
Effective Date: Monday, January 5, 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: Monday, January 5, 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: Monday, January 5, 2026
| 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.
Individual Retirement Account (IRA) Rates
Effective Date: Monday, January 5, 2026
| 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.
Term Share Certificates Rates
Effective Date: Monday, January 5, 2026
| 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.
Traditional Individual Retirement Account (IRA) Term Share Certificate Rates
Effective Date: Monday, January 5, 2026
| 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.
Roth Individual Retirement Account (IRA) Term Share Certificate Rates
Effective Date: Monday, January 5, 2026
| 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.
Youth Account Rates
Effective Date: Monday, January 5, 2026
| 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.
Our Money Management Officer, Kassandra, was great to work with. I do not think she could do better.
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
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.
SFCU Member