Academy Special:
$300 Bonus!

Open a Free Rewards Checking account
with Direct Deposit and get a $300 Bonus!*
Learn How

Enjoy a $300 bonus on us when you open a Free Rewards Checking account with Direct Deposit*


You serve our community—we’re here to serve you. At Sacramento Credit Union, we proudly support first responders with personalized financial solutions and a commitment that matches your own.
 

Get $300 in just 3 easy steps:

   


Become a Member

online or visit a branch near you today. 
 


Open a Free Rewards Checking Account*

and use code ACADEMY300!
  

 

Set up Direct Deposits

within 90 calendar days of account opening.*

 

Don't forget to enter code ACADEMY300 in the Promo Box online or mention it in-branch!

 
Experience the benefits of a
Free Rewards Checking Account:


   


Earn 4.35% APY

on balances up to $20,000.1 
  


Get your Payday

2 days early

when you sign up for direct deposit.2 
  


30,000+ ATMs

with $0 surcharge fees.  
  

   

1APY = Annual Percentage Yield. Rates are subject to change without notice.

*How to Qualify for the $300 Bonus:
To receive the $300 bonus:
To take advantage of the $300 Bonus Academy Special Limited Time Offer, you must use the promo code ACADEMY300 when completing the application. You may open your account at a Sacramento Credit Union branch, online via our SactoCU.org website or using your SCU online banking or mobile app.

New Members:

  • To open an account online visit SactoCU.org/Academy-Special, select “Open Account”, then select “Get Started Here” under “New to SCU?” or under “SCU Member”. Complete the application – you must select Free Rewards Checking from the list of available products (a Primary Savings account is also required for new members). Make sure to enter the Promo Code “Academy300” in the Promo Code section before submitting application.
  • To apply at a SCU branch make sure to provide the SCU Employee with the Promo Code “Academy300”
Existing Members (via mobile app or online banking):
  • SCU mobile app: Tap “More” then select “Apply for a Loan/Account”. From this page, select “Existing Member: Add Account”. Complete the application – you must select Free Rewards Checking from the list of available products. Make sure to enter the Promo Code “Academy300” in the Promo Code section before submitting application.
  • Online banking: Select “Apply for a Loan/Account”. From this page, select “Existing Member: Add Account”. Complete the application – you must select Free Rewards Checking from the list of available products. Make sure to enter the Promo Code “Academy300” in the Promo Code section before submitting application.

Offer Eligibility:
This offer is available to new Free Rewards Checking account holders only who are attending or have graduated the Sacramento County Sherrif’s Academy during the promotion period. Existing members with an open SCU checking account and/or members who have participated in a Free Rewards Checking Account promotion within the past five (5) years are not eligible for this offer. Limit one $300 bonus per member, regardless of the number of accounts opened. Offer may be changed or withdrawn at any time without notice.

  • You must open a new Free Rewards Checking account, subject to approval, with a minimum opening deposit of $25.
  • Within 90 calendar days of account opening (the “Qualification Period”), the account must receive qualifying electronic direct deposits.
  • Qualifying direct deposits are deposits of regular income – such as your salary, paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or similar third party – using your account number and SCU’s routing number that you provide to them. We reserve the right to request documentation that the direct deposits qualify. Non-qualifying examples include: teller deposits, wire transfers, ATM transfers or deposits, SCU Digital Banking transfers or deposits, deposits processed as a debit card credit, transfers from any bank or brokerage account, and Account to Account or Peer to Peer (e.g. PayPal, Venmo) transfers.

If all requirements are met, the $300 bonus will be deposited to your Free Rewards Checking account within 30 calendar days following the end of the Qualification Period.

Important Tax Information:
The bonus will be reported as interest on IRS Form 1099-INT and may be subject to applicable taxes. You are responsible for any tax obligations. If you are subject to backup withholding, the bonus may be reduced accordingly.
1 Reward Dividend Tiers:

  • 4.35% APY applies to balances from $0.01 to $20,000 when all monthly qualification requirements are met.
  • 0.10% APY applies to the portion of balances over $20,000 when qualifications are met.
  • 0.01% APY applies to all balances if monthly qualification requirements are not met.

2We offer the possibility of accessing incoming direct deposits made through ACH up to two days prior to the scheduled payment date. While we strive to provide early availability for direct deposits, it's important to note that this service is not guaranteed, and availability may vary for each deposit. Factors such as the timing of the originator's instructions, any predetermined limitations on early availability, and fraud prevention screening may influence fund availability. Please note that certain types of deposits, such as physical checks, remote check deposits, and other online transfers or electronic credits, are not eligible for Early Pay Day deposits or credits to your account.

Additional Terms:
Accounts must be opened and maintained in accordance with SCU’s standard membership and account guidelines. This offer is not transferable and may not be combined with any other promotional offer.

For more information, refer to the Truth-in-Savings Disclosure, Account Agreement, and Schedule of Fees available at www.sactocu.org or by calling (916) 444-6070.