1Free Checking Accounts: APY=Annual Percentage Yield. Minimum to open account is $25. Rate tiers are as follows:
% 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.
% 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.
2 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.
3 Money Market Accounts: Money Market requires $2,500 to open. Premium Money Market requires $50,000 to open.
4 Certificates of Deposit: APY = Annual Percentage Yield and assumes principal and dividends will remain on deposit until maturity. Dividends compound monthly. Withdrawals may reduce earnings and incur penalties. Minimum opening deposit of $500. Certificate will automatically renew on the maturity date at the nearest standard term and dividend rate not to exceed the term of the special. Rates and terms are subject to change and promotion may end without notice.