Savings and Certificates
Your Savings.
Your Future.
Craft your financial success.
Save for today, tomorrow and a brighter future.
We have options to help.
Savings Accounts
Start earning
from day one.
Savings acounts
Start earning
from day one.
A Sacramento Credit Union savings account is your ticket to all of the products and services we offer to help make your financial life better. The interest rates are competitive, and you have full, flexible access to your funds.

Apply for an Account
Become a Member
Apply now and we'll create your membership during the application process.
Current Members
Login for a faster, optimal experience. Your information will be conveniently pre-filled.
Certificates (CDs)
The benefits
are real.
Certificates (CDs)
The benefits are real.
Certificates are stable savings tools that are fixed-rate and reliable. Choose from various terms to meet your goals. Plus, once your Certificate matures, you can reinvest to keep earning, or cash out to use your money.

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Become a Member
Apply now and we'll create your membership during the application process.
Current Members
Login for a faster, optimal experience. Your information will be conveniently pre-filled.
Money Market Accounts
Flexible access,
great rates.
Money Market Accounts
Flexible Access
Your deposits grow at a competitive rate, and you'll experience more accessibility than you would with a Certificate. An SCU Money Market Account can be a smart solution.

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Become a Member
Apply now and we'll create your membership during the application process.
Current Members
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Additional Ways to Save.
Premium Money Market Accounts
Get the best of both worlds with our Premium Money Market Account — a smarter way to grow your savings without locking away your funds. With higher dividend rates than a standard Money Market Account, you’ll maximize your earnings while keeping the flexibility to access your money when you need

Apply for an Account
Become a Member
Apply now and we'll create your membership during the application process.
Current Members
Login for a faster, optimal experience. Your information will be conveniently pre-filled.
IRAs
Planning ahead for retirement is a smart choice regardless of your age. We offer a variety of Individual Retirement Accounts (IRA). Each account has specific tax advantages and distribution rules that your tax advisor can explain in detail. For example, a Traditional IRA allows for tax-free growth during working years, while a Roth IRA provides tax-free distributions in retirement
Banking made simple.
Unlimited Deposits
Your Goals, Your Savings, Your Future
Set up monthly direct deposits or automatic transfers and grow your savings right from the app.
24/7 Digital Access
Banking at the Speed of Life.
With SCU’s mobile app and online banking, you can check balances, transfer funds, pay bills, and deposit checks anytime, anywhere—securely and conveniently.
30,000+ ATMs
Surcharge-Free Access is Better.
Enjoy nationwide convenience with free access to over 30,000 surcharge-free ATMs. Wherever life takes you, your money is never far away.
Contact and Important Numbers
We’re here when you need us.
Find key phone numbers, contacts, and resources to connect with the information you need.
Current Deposit Rates
Rates effective as of October 22, 2025.
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% |
1APY=Annual Percentage Yield. Dividend Rate and APY may change anytime as determined by the credit unions board of directors. Dividends are compounded and credited monthly. Fees may reduce earnings.
2The requirements are: 1. View your monthly statement via e-Statements. 2. At least 12 purchases each month with your SCU Visa debit card. 3. At least one direct deposit or ACH auto debit posts and clears. 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.
4.35% - 0.930% APY range assumes an account balance of up to $100,000.
Rates effective as of October 22, 2025.
Savings Rates
Balance Range | Dividend Rate | APY1 |
---|---|---|
MONEY MARKET2 | ||
$2,500 - $9,999 | 0.15% | 0.15% |
$10,000 - $24,999 | 0.90% | 0.90% |
$25,000 - $49,999 | 1.00% | 1.00% |
$50,000 - $99,999 | 1.05% | 1.06% |
$100,000 - $249,999 | 1.30% | 1.31% |
$250,000 - $499,999 | 1.40% | 1.41% |
$500,000 and over | 1.49% | 1.50% |
PREMIUM MONEY MARKET3 | ||
$50,000 - $99,999 | 1.75% | 1.76% |
$100,000 - $249,999 | 2.00% | 2.02% |
$250,000 - $499,999 | 2.25% | 2.27% |
$500,000 and over | 2.50% | 2.53% |
SAVINGS ACCOUNTS (All Types)4 | ||
$300 - $999 | 0.05% | 0.05% |
$1,000 - $4,999 | 0.05% | 0.05% |
$5,000 - $9,999 | 0.05% | 0.05% |
$10,000 - $99,999 | 0.08% | 0.08% |
$100,000 and over | 0.15% | 0.15% |
IRA SHARE ACCOUNTS (All Types) | ||
$300 - $999 | 0.05% | 0.05% |
$1,000 - $4,999 | 0.05% | 0.05% |
$5,000 - $9,999 | 0.05% | 0.05% |
$10,000 - $99,999 | 0.08% | 0.08% |
$100,000 and over | 0.15% | 0.15% |
1APY=Annual Percentage Yield
2Money Market requires $2,500 to open.
3Premium Money Market requires $50,000 to open.
4Savings Account requires $25 to open.
Dividend Rate and APY may change anytime as determined by the credit union board of directors.
Dividends are compounded and credited monthly. Fees may reduce earnings.
Rates effective as of October 22, 2025.
Certificate Rates
Minimum Balance | Dividend Rate | APY1 |
---|---|---|
Fall Certificate Special (CDs) $500 for IRA Share Certificate $1000 for Share Certificate |
||
7-MONTH | 3.98% | 4.05% |
13-MONTH | 3.83% | 3.90% |
3-MONTH (IRA not Eligible) | ||
$1,000 | 2.96% | 3.00% |
$20,000 | 2.96% | 3.00% |
$50,000 | 2.96% | 3.00% |
$100,000 | 2.96% | 3.00% |
6-MONTH | ||
$1,000 | 3.00% | 3.04% |
$20,000 | 3.00% | 3.04% |
$50,000 | 3.00% | 3.04% |
$100,000 | 3.01% | 3.05% |
12-MONTH | ||
$1,000 | 3.35% | 3.40% |
$20,000 | 3.35% | 3.40% |
$50,000 | 3.35% | 3.40% |
$100,000 | 3.40% | 3.45% |
18-MONTH | ||
$1,000 | 3.35% | 3.40% |
$20,000 | 3.35% | 3.40% |
$50,000 | 3.35% | 3.40% |
$100,000 | 3.40% | 3.45% |
24-MONTH | ||
$1,000 | 3.40% | 3.45% |
$20,000 | 3.40% | 3.45% |
$50,000 | 3.40% | 3.45% |
$100,000 | 3.45% | 3.51% |
30-MONTH | ||
$1,000 | 3.40% | 3.45% |
$20,000 | 3.40% | 3.45% |
$50,000 | 3.40% | 3.45% |
$100,000 | 3.45% | 3.51% |
36-MONTH | ||
$1,000 | 3.50% | 3.56% |
$20,000 | 3.50% | 3.56% |
$50,000 | 3.50% | 3.56% |
$100,000 | 3.54% | 3.60% |
48-MONTH | ||
$1,000 | 3.55% | 3.61% |
$20,000 | 3.55% | 3.61% |
$50,000 | 3.55% | 3.61% |
$100,000 | 3.59% | 3.65% |
60-MONTH | ||
$1,000 | 3.70% | 3.76% |
$20,000 | 3.70% | 3.76% |
$50,000 | 3.70% | 3.76% |
$100,000 | 3.74% | 3.80% |
1APY=Annual Percentage Yield
$500 minimum for IRA Certificates.
Rates and terms are subject to change.
A penalty may be imposed for withdrawals before maturity.
The 7-month certificate will automatically renew to a 6-month term upon maturity. The 13-month certificate will automatically renew to a 12-month term upon maturity.