Our Money Management Officer, Kassandra, was great to work with. I do not think she could do better.
SFCU Member
Checking, Savings & Certificates Rates
Checking Rates
Effective Date: Friday, January 16, 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: Friday, January 16, 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: Friday, January 16, 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: Friday, January 16, 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: Friday, January 16, 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: Friday, January 16, 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: Friday, January 16, 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: Friday, January 16, 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: Friday, January 16, 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.
I have been a member for a very long time. I am always satisfied with whatever I need to do at the Credit Union. The staff is always accommodating and courteous. The hours of operation are also very convenient.
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
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