Checking Accounts

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SCU Platinum Rewards Credit Card

Free Rewards Checking

Our Free Rewards Checking Account lets you earn 4.35% APY* on balances up to $20,000 and provides 24/7 access to fit your busy schedule.  Plus with Direct Deposit, you can get your Payday up to 2 days early!**

4.35% APY*

$0 Monthly Service Fee

$0 Minimum Balance

30,000+ Surcharge Free ATMS*

Get your Payday 2 Days Early**
Wait less, worry less. Sign up for Direct Deposit and receive your paycheck up to 2 days earlier** than your regularly scheduled payday. Get ahead on your daily expenses, bills, and even credit card debt. Click here or visit a branch near you to get started! 

Explore added benefits
SCU Platinum Credit Card

Free Checking 

Our basic Free Checking Account is easy, safe and secure and provides everything you need with no surprises. It's that simple.

$0 Monthly Service Fee

$0 Minimum Balance

30,000+ Surcharge Free ATMS*

Explore added benefits, more convenience & bigger savings.

Norton LIfelock Benefits

ID Navigator Powered by Norton LifeLock

Your card includes ID Navigator Powered by NortonLifeLock. No one can prevent identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind.
Confirm ID Navigator eligibility and enroll now

Roadside Dispatch Benefit

Roadside Dispatch 

This is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith — you pay a set price per service call.
Learn More > 

Dovly Uplift

Get access to Dovly Upliftᵀᴹ free with your card and start fixing, managing, and maintaining your credit online in seconds.*
Confirm eligibility and enroll now

  1. View your monthly statement via e-Statements
  2. Make at least 12 purchases each month with your SCU Visa debit card
  3. Make sure at least one direct deposit or ACH auto debit posts and clears

Rates effective as of July 13, 2024.

Minimum Balance to Earn Dividends Dividend Rate APY*
Free Rewards Checking
$0 - $20,000 4.27% Requirements Met1 4.35%
$20,000+ 0.10% Requirements Met1 24.35% - 0.930%
All balances if qualifications not met 0.01% 0.01%%

*APY=Annual Percentage Yield. Minimum to open account is $25. Rate tiers are as follows: 4.35% APY applies to balances of $0.01 - $20,000 and 0.10% APY applies to balances over $20,000 if qualifications are met during the monthly qualification cycle. 0.01% APY applies to all balances if monthly qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements on ATM surcharge fees, up to $4.99 per transaction up to $25 provided only if qualifications are met within the monthly qualification cycle. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. Checking account opened must be qualified based upon standard Sacramento Credit Union guidelines.  Monthly Qualification Cycle means the current Statement Cycle. Statement Cycle means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month.

** We 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.