Savings and Certificates

Your Savings.
Your Future.

Craft your financial success.

Save for today, tomorrow and a brighter future.
We have options to help.

Tap a card for more information:

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.

CD Rates

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.

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.

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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

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

Contact Us to Learn More

Open an Account in Minutes

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.

Get the SCU 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.

Learn more

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.

Find a branch or ATM

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.

Contact & Important Phone Numbers

How to Choose the Right Savings Option

Introduction

Sacramento Credit Union offers several ways to save, from everyday savings accounts to higher-yield certificates. Follow these steps to determine which savings option best fits your financial goals.

Steps to finding a savings option that works best for you and your individual needs.:

Step 1: Identify Your Savings Goal

What are you saving for?

Determine whether you're building an emergency fund, saving for a large purchase, setting aside money for a future goal, or looking to maximize earnings on funds you don't need immediate access to.

Front of house with blue skies.
Step 2: Decide When You'll Need Your Money

Consider your timeline

Think about how soon you'll need access to your funds. Some savings options offer immediate access, while others reward longer-term savings commitments with higher dividend rates.

Step 3: Choose Flexible Access for Everyday Savings

Select a Savings Account

A traditional savings account may be the best choice if you want convenient access to your money while earning dividends and building your financial foundation.

Best For:

  • Emergency funds
  • New savers
  • Everyday financial flexibility
  • Membership savings
Step 4: Consider a Money Market Account

Earn more while maintaining access

A money market account may offer higher earning potential while still allowing access to your funds when needed.

Best For:

  • Larger balances
  • Short- to medium-term goals
  • Members seeking higher dividend earnings
  • Maintaining liquidity
Step 5: Consider a Certificate Account

Lock in a fixed dividend rate

Certificate accounts typically offer fixed rates for a specific term. They may be a good option if you can leave your funds untouched until maturity.

Best For:

  • Long-term savings goals
  • Funds you won't need immediately
  • Rate certainty
  • Maximizing dividend earnings
Step 6: Build a Savings Strategy

Combine accounts to meet multiple goals

Many members use more than one savings product. For example, a savings account can be used for emergencies while a certificate helps grow long-term savings.

Example Strategy:

  • Savings Account → Emergency Fund
  • Money Market → Short-Term Goals
  • Certificate → Long-Term Savings

Current Deposit Rates

Checking Account Rates
Savings Rates
Certificate Rates

Frequestly asked Questions

What savings accounts does Sacramento Credit Union offer?

What is the difference between a savings account and a certificate?

What does APY mean?

Are dividends compounded?

Is there a minimum deposit to open a certificate?

Can I withdraw money from a certificate before it matures?

Are savings accounts federally insured?

How do I open a savings account or certificate?