Savings and Certificates

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Savings Accounts

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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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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.

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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

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Set up monthly direct deposits or automatic transfers and grow your savings right from the app.

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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.

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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.

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Current Deposit Rates

Checking Account Rates

Rates effective as of May 17, 2026.

Checking Rates

Minimum Balance to Earn Dividends	Dividend Rate	APY¹
FREE REWARDS CHECKING
$0 - $25,000	4.41% Requirements Met²	4.50%
$25,000+	.10% Requirements Met²	4.50% - 1.180%
All balances if qualifications not met	0.01%	0.01%

DISCLOSURES:

Rates effective as of May 17, 2026.

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. Agree to receive 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. 4. Log into SCU Mobile or Online Banking App. 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.
4.50% - 1.180% APY range assumes an account balance of up to $100,000.

Savings Rates

Rates effective as of May 17, 2026.

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%

DISCLOSURES:

Rates effective as of May 17, 2026.

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.

Certificate Rates

Rates effective as of May 17, 2026.

Certificate Specials

Minimum Balance	Dividend Rate	APY¹
4-MONTH (IRA not Eligible)
$1,000	3.83%	3.90%
7-MONTH
$1,000	3.64%	3.70%
13-MONTH
$1,000	3.59%	3.65%

DISCLOSURES:

Rates effective as of May 17, 2026.

¹APY=Annual Percentage Yield
$500 minimum for IRA Certificates.
$1,000 minimum for Share Certificates.
Rates and terms are subject to change.
A penalty may be imposed for withdrawals before maturity.
The 4-month certificate will automatically renew to a 3-month term upon 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.

Certificate Rates

Minimum Balance	Dividend Rate	APY¹
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	3.15%	3.20%
$20,000	3.15%	3.20%
$50,000	3.15%	3.20%
$100,000	3.20%	3.25%
18-MONTH
$1,000	3.15%	3.20%
$20,000	3.15%	3.20%
$50,000	3.15%	3.20%
$100,000	3.20%	3.25%
24-MONTH
$1,000	3.20%	3.25%
$20,000	3.20%	3.25%
$50,000	3.20%	3.25%
$100,000	3.25%	3.30%
30-MONTH
$1,000	3.20%	3.25%
$20,000	3.20%	3.25%
$50,000	3.20%	3.25%
$100,000	3.25%	3.30%
36-MONTH
$1,000	3.30%	3.35
$20,000	3.30%	3.35
$50,000	3.30%	3.35
$100,000	3.35%	3.40%
48-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%
60-MONTH
$1,000	3.49%	3.55%
$20,000	3.49%	3.55%
$50,000	3.49%	3.55%
$100,000	3.49%	3.55%

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Your Savings.Your Future.

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

Savings Accounts

Savings acounts

Apply for an Account

Certificates (CDs)

Certificates (CDs)

Apply for an Account

Money Market Accounts

Money Market Accounts

Apply for an Account

Additional Ways to Save.

Premium Money Market Accounts

Apply for an Account

IRAs

Open an Account in Minutes

Banking made simple.

Unlimited Deposits

24/7 Digital Access

30,000+ ATMs

Contact and Important Numbers

Current Deposit 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?

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Your Savings.
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