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The Credit Union
Difference
Banking built for members, not shareholders.
The Credit Union
Difference
Banking built for members, not shareholders.
Sacramento Credit Union is fundamentally different than a bank and we're proud of that. We think you'll be too.
Local
Legacy
Over 90 years of local trust, and counting
Local
Legacy
Over 90 years of local trust, and counting
Trust Built Over Time - 90 Years Strong. And Counting. For more than nine decades, we have been more than just a place to bank
Subhead
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| Credit Union | Bank |
|---|---|
| Not For Profit | For Profit |
| Member Owned | Shareholder Owned |
| Less Fees & Lower Rates | More Fees Higher Rates |
| Money Stays Local | Money Goes to Headquarters (often out-of-state |
| Insured up to $250,000 | Insured up to $250,000 |
| 30,000 Surcharge-Free ATMs Nationwide | Customers Pay Fees for Non-Bank ATMs |
Sacramento Credit Union is fundamentally different than a bank and we're proud of that.
We think you'll be too.
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Values
Service from the Heart
We serve members with honesty,dignity and kindness.
Together We Thrive
We believe in teamwork, supporting one another so we can better support you.
Member-driven Solutions
We look for smart effective ways to help our members succeed.
Innovation with Purpose
We embrace innovationthat makes banking better and easier for our members.
Quick Facts
Who can join?
Anyone who lives or works in the following California counties: El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba.
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Lower Rates & Higher Yields
On average, a Credit Union rates have better rates and returns than banks
Free Accounts that Pay
 Free Checking accounts with $0 minimum and pay 4.35%APY
30,000+ ATMs
Access to more surcharge-free ATMS than Wells Fargo and Bank America combined.
Local Decisions
Decisions are made locally and are member-driven.
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Lower Rates & Higher Yields
On average, a Credit Union rates have better rates and returns than banks
Free Accounts that Pay
 Free Checking accounts with $0 minimum and pay 4.35%APY
Local Decisions
Decisions are made locally and are member-driven.
Lower Rates & Higher Yields
On average, a Credit Union rates have better rates and returns than banks
Local Decisions
Decisions are made locally and are member-driven.
Lower Rates & Higher Yields
On average, a Credit Union rates have better rates and returns than banks
Free Accounts that Pay
 Free Checking accounts with $0 minimum and pay 4.35%APY
Local Decisions
Decisions are made locally and are member-driven.
Local Decisions
Decisions are made locally and are member-driven.
Tabbed Content Sample
Checking Rates
| Minimum Balance to Earn Dividends | Dividend Rate | APY1 |
|---|---|---|
| FREE REWARDS CHECKING | ||
| $0 - $20,000 | 4.27% Requirements Met2 | 4.35% |
| $20,000+ | .10% Requirements Met2 | 4.35% - 0.930% |
| All balances if qualifications not met | 0.01% | 0.01% |
- View your monthly statement via e-Statements
- Make at least 12 purchases each month with your SCU Visa debit card
- Make sure at least one direct deposit or ACH auto debit posts and clears
Tab Content 3
When you click on the link below you will be redirected to Harland Check Reorder Center, our preferred check supplier. They will ask you for the Routing/Transit Number (321175520) and Account Number. Please enter the 14 digit account number, not your member number, as illustrated in the sample check below.
Activate Your Card
Call us at 1-800-290-7893 to activate your card.
24/7 Card Transaction Assistance Line
When your card transaction is declined, we'll help.
It's frustrating when your credit, debit or ATM card transactions are denied. You can get answers quickly by calling our Card Transaction Assistance Line at (916) 444-6070, press Option 2 and then follow the simple prompts.