Every membership begins here

Opening a Savings Account is the first step to becoming an SBCFCU member. It gives you a safe, simple place to grow your savings, earn dividends, and keep your money accessible, with no monthly maintenance fees.

OPEN A SAVINGS ACCOUNT

Friends gathered for a picnic in a sunny park

Every membership begins here

OPEN A SAVINGS ACCOUNT

Free to open & no monthly fee

Keep more of what you save with no monthly maintenance fees.

Earn Interest

Earn 0.10% APY on your savings balance.

Last updated August 1, 2026. Rates are variable and subject to change.

Your money is protected

Deposits are federally insured up to $250,000 by the NCUA, with additional coverage through American Share Insurance.

Earn more with a Money Market Account

Looking to earn more on your savings? An SBCFCU Money Market Account offers tiered rates, so the more you save, the more you can earn while keeping your money accessible.

$2,500 – $24,999

1.00% APY

$25,000 – $49,999

1.20% APY

$50,000 – $99,999

2.00% APY

$100,000+

2.30% APY

Rates last updated August 1, 2026. Rates are variable and subject to change.

Save smarter with savings subaccounts

Saving for something specific? Create separate subaccounts for vacations, emergencies, home projects, holidays, and other planned expenses, all while keeping your savings organized in one place.

Rates & fees

Simple savings with no monthly maintenance fee and competitive rates based on the account you choose.

Savings Account

Monthly maintenance fee
$0

Savings APY
0.10%

Minimum alance
No minimum balance requirement

Money Market Account

Minimum to earn Money Market APY
$2,5000

APY
1.00%-2.30%, based on balance

Highest rate tier
$100,000+

Savings Rates – Effective Friday, July 22, 2022
Account Type	APY	Minimum Deposit	Minimum Balance
PRIMARY SHARE	0%		$0
PRIMARY SHARE	0.1%		$100

Rates are variable and subject to change. Last updated August 1, 2026.

Common questions (FAQs)

Find answers to some of the most common questions about SBCFCU Saving Accounts.

If you’re eligible for membership, you can get started by completing our online membership application. There is no minimum deposit required to open a Savings Account. Have your identification and personal information ready, and we’ll help you take it from there.

Your Savings Account is what establishes your membership with SBCFCU. Opening one is the first step to becoming a member.

No! There is no minimum deposit or monthly maintenance fee to open an SBCFCU Savings Account. Your Savings Account establishes your membership with SBCFCU, making it the first step to becoming a member.

Yes! SBCFCU Savings Accounts currently earn 0.10% APY (Annual Percentage Yield). Rates are variable and subject to change.

Yes! SBCFCU members can create Savings Subaccounts to organize their money by different savings goals, all under one main account number. You can create separate subaccounts for things like vacations, holidays and gifts, emergencies, car expenses, home projects, health care, pet care, or anything else you’re saving for. Savings Subaccounts make it easy to keep your money organized and can be a great alternative to cash stuffing.

A regular Savings Account establishes your SBCFCU membership and earns 0.10% APY. A Money Market Account offers tiered rates based on your balance, with higher balances earning higher APYs.
Money Market rates begin with balances of $2,500. Current APYs range from 1.00% to 2.30%, depending on your balance. Rates are variable and subject to change.

Yes! You can view and manage your Savings Account through online and mobile banking, making it easy to check your balance, manage your money and keep track of your savings goals wherever you are.

Yes. Deposits are insured up to $250,000 by the NCUA, with an additional $500,000 in coverage through American Share Insurance.

Ready to start saving?

Open an SBCFCU Savings Account and take the first step toward membership while giving your money a safe place to grow.

No monthly maintenance fees. Just a simple way to save with your local credit union.

OPEN A SAVINGS ACCOUNT CONTACT US