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: Friday, July 11, 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.
Kasasa Cash® Rates
If qualifications are met.
Effective Date: Friday, July 11, 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.
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: Friday, July 11, 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.
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: Friday, July 11, 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.
Individual Retirement Account (IRA) Rates
Effective Date: Friday, July 11, 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.
Term Share Certificates Rates
Effective Date: Friday, July 11, 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.
Traditional Individual Retirement Account (IRA) Term Share Certificate Rates
Effective Date: Friday, July 11, 2025
| Account | Term | APY* |
|---|---|---|
| Traditional IRA Term Share Certificate | 1 Year | 0.45% |
| Traditional IRA Term Share Certificate | 2 Years | 0.55% |
| Traditional IRA Term Share Certificate | 3 Years | 0.70% |
| Traditional IRA Term Share Certificate | 4 Years | 0.80% |
| Traditional IRA Term Share Certificate | 5 Years | 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.
Roth Individual Retirement Account (IRA) Term Share Certificate Rates
Effective Date: Friday, July 11, 2025
| Account | Term | APY* |
|---|---|---|
| Roth IRA Term Share Certificate | 1 Year | 0.45% |
| Roth IRA Term Share Certificate | 2 Year | 0.55% |
| Roth IRA Term Share Certificate | 3 Years | 0.70% |
| Roth IRA Term Share Certificate | 4 Years | 0.80% |
| Roth IRA Term Share Certificate | 5 Years | 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.
Youth Account Rates
Effective Date: Friday, July 11, 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.
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
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.
SFCU Member
Arlene Fortin has always been an absolute pleasure to work with.
SFCU Member