SAVINGS & CHECKING

CHECKING ACCOUNTS

Free Plus Checking

  • Minimum Initial Deposit: $50.00
  • Monthly Service Fee: Free
  • Minimum Balance to Earn Dividends: $10,000.00
  • Balance Courtesy Pay
  • Overdraft Protection
  • Bonuses: 25% Savings on Safe Deposit Box
  • Free Temporary Checks (on a limited basis)
  • eStatements, Online Banking & Bill Pay Required

Basic Checking

  • Minimum Initial Deposit: $50.00
  • Minimum Balance Fee: $5***
  • Minimum Balance to Earn Dividends: N/A
  • Courtesy Pay
  • Overdraft Protection: N/A
  • Bonuses: N/A

Diamond Club Checking

  • Minimum Initial Deposit: $1500.00
  • Minimum Balance Fee: $10****
  • Minimum Balance to Earn Dividends: $2500.00
  • Courtesy Pay: N/A
  • Overdraft Protection
  • Bonuses: Free Coin Verification
  • Overdraft Transfer Protection
  • 50% Savings on Safe Deposit Box
  • Free Accidental Death & Dismemberment Insurance

Business Checking

  • Minimum Initial Deposit: $200.00
  • Minimum Balance Fee: $15.00 – Minimum balance of $5,000.00 required to avoid a $15.00 service charge.
  • Minimum Balance to Earn Dividends: $1,000.00

FREE PLUS CHECKING RATES

(Rates based on average daily balance) | Minimum Deposit: $50.00

Balance of Earn Dividends Dividend Rate
APY*
Tier 1 $2,500.00-24,999.99 0.00% 0.00%
Tier II $25,000.00-49,999.99 0.15% 0.15%
Tier III $50,000.00- 99,999.99 0.20% 0.20%
Tier IV $100,000.00 and greater 0.25% 0.25%

BASIC CHECKING

(Rates based on average daily balance) | Minimum Deposit: $50.00***

DIAMOND CLUB CHECKING

(Rates based on average daily balance) | Minimum Deposit: $1,500****

Balance of Earn Dividends Dividend Rate
APY*
Tier 1 $2,500.00-24,999.99 0.15% 0.15%
Tier II $25,000.00-49,999.99 0.25% 0.25%
Tier III $50,000.00- 99,999.99 0.30% 0.30%
Tier IV $100,000.00 and greater 0.35% 0.35%

BUSINESS CHECKING

(Rates based on average daily balance) | Minimum Deposit: $200

Balance of Earn Dividends Dividend Rate
APY*
$1,000.00 0.10% 0.10%

†Minimum balance of $5,000.00 required to avoid a $15.00 service charge.

* APY – Annual Percentage Yield. Minimum average daily balance required to obtain the APY for the dividend period.

*** – Minimum Balance of $500 to avoid $5 Minimum Balance Fee.

**** – Minimum Balance of $1,500 to avoid $10 Minimum Balance Fee.

The Board of Directors, as required by law, reviewed and set the rates to be paid on the following accounts effective April 1, 2023. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any Security First Credit Union Office.

SAVINGS ACCOUNTS

Ready to save? Security First Credit Union has several savings products to match your needs and future goals.

Regular Share Savings

  • Minimum deposit to open: $5.00
  • Establishes your membership with SFCU
  • Set up direct deposit for continued savings
  • Link to your SFCU checking account for Overdraft Protection
  • Minimum monthly balance to earn dividends: $100.00
  • * Dividends paid monthly
  • * Dividends paid on a tiered balance method on the average daily balance

Young Member Club

  • Minimum deposit to open: $1.00
  • Minimum balance to earn dividends: $1.00
  • Available for children up to the age of 18
  • Dividends paid on a tiered balance method on the average daily balance
  • Sign up for our FREE Kids Club (available for ages 5 to 12)

Money Management Account

  • Minimum deposit to open: $2,500.00
  • Minimum balance to earn dividends: $2,500.00
  • Dividends paid on a tiered balance method on the average daily balance
  • Link to your SFCU checking account for Overdraft Protection

Individual Retirement Club Account

  • Minimum deposit to open: $50.00
  • * Dividends paid monthly on an average daily balance.
  • * IRA Share accounts available in Traditional, Roth, and Coverdell
  • * IRA rules apply to this account for withdrawals and contributions

Holiday Club Savings Account

  • Minimum deposit to open: $10.00
  • * Dividends paid monthly on an average daily balance.
  • * Funds in the account are automatically sent to the account holder on November 1st.
  • * Any withdraws done during the year will be assessed a $10.00 fee.

Give us a call or stop in to one of our Branch Locations to learn more about how we can help you save! 956-661-4000

SHARE SAVINGS

(Rates based on average daily balance)

Type of Account
Minimum Deposit
Balance of Earn Dividends
Dividend Rate
APY*
Regular Share Account $5.00 $100.00 and greater 0.25% 0.25%
Young Member Account $1.00 $1.00 and greater 0.30% 0.30%
IRA Club Account $50.00 $50.00 and greater 0.35% 0.35%
Holiday Club Account $10.00 $10.00 and greater 0.15% 0.15%
Business Savings $5.00 $50.00 and greater 0.15% 0.15%

MONEY MANAGEMENT

(Rates based on average daily balance)

Balance of Earn Dividends Dividend Rate
APY*
Tier 1 $2,500.00-24,999.99 0.15% 0.15%
Tier II $25,000.00-49,999.99 0.25% 0.25%
Tier III $50,000.00- 99,999.99 0.30% 0.30%
Tier IV $100,000.00 and greater 0.35% 0.35%

The Board of Directors, as required by law, reviewed and set the rates to be paid on the following accounts effective April 1, 2023. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any Security First Credit Union Office.

*APY – Annual Percentage Yield. Minimum average daily balance required to obtain the APY for the dividend period.

Your Security First Credit Union deposits are insured by the NCUA.

The National Credit Union Administration, a US Government agency, insures SFCU deposits up to $250,000, per individual depositor.

Learn more about how your accounts are federally insured – click here

SHARE CERTIFICATES

Don’t miss it! Grab these special racing CD rates before they’re gone!

Take advantage of our Special 6 Months, 12 Months, and 24 Months Term specials on share certificates of deposit today! Minimum deposit of $500 required.†

Ready to save? Security First Credit Union has several savings products to match your needs and future goals

TERM SHARE CERTIFICATES

Minimum Balance: $500.00

Term $500 – $999.99 DIV
$500 – $999.99 APY $1,000 – $24,999.99 DIV
$1,000 – $24,999.99 APY
$25,000 – $49,999.99 DIV
$25,000 – $49,999.99 APY
 $50,000 – $99,999.99 DIV  $50,000 – $99,999.99 APY
 
6 Months† 2.00% 2.02% 2.00% 2.02% 2.00% 2.02% 2.00% 2.02%
6 Months 1.30% 1.31% 1.30% 1.31% 1.40% 1.41% 1.45% 1.46%
12 Months† 5.25% 5.38% 5.25% 5.38% 5.25% 5.38% 5.25% 5.38%
12 Months 1.30% 1.31% 2.40% 2.43% 2.45% 2.48% 2.55% 2.58%
15 Months 2.55% 2.58% 2.60% 2.63%
18 Months 1.85% 1.87% 2.40% 2.43% 2.60% 2.63% 2.65% 2.69%
24 Months† 5.50% 5.64% 5.50% 5.64% 5.50% 5.64% 5.50% 5.64%
24 Months 1.95% 1.97% 2.80% 2.84% 2.85% 2.89% 3.05% 3.10%
31 Months 3.15% 3.20%
36 Months 2.00% 2.02% 2.85% 2.89% 3.00% 3.05% 3.20% 3.25%
37 Months 2.05% 2.07% 2.90% 2.94% 3.05% 3.10% 3.25% 3.30%
43 Months 2.10% 2.12% 2.95% 2.99% 3.10% 3.15% 3.30% 3.35%
48 Months 2.15% 2.17% 3.00% 3.05% 3.20% 3.25% 3.35% 3.41%
60 Months 2.20% 2.22% 3.05% 3.10% 3.25% 3.30% 3.40% 3.46%
84 Months 3.10% 3.15% 3.30% 3.35% 3.45% 3.51%

TERM IRA SHARE CERTIFICATES

Minimum Balance: $1,000.00

Term $500 – $999.99 DIV
$500 – $999.99 APY $1,000 – $24,999.99 DIV
$1,000 – $24,999.99 APY
$25,000 – $49,999.99 DIV
$25,000 – $49,999.99 APY
 $50,000 – $99,999.99 DIV  $50,000 – $99,999.99 APY
 
6 Months 1.30% 1.31% 1.30% 1.31% 1.40% 1.41% 1.45% 1.46%
12 Months 1.30% 1.31% 2.40% 2.43% 2.45% 2.48% 2.55% 2.58%
15 Months 2.55% 2.58% 2.60% 2.63%
18 Months 1.85% 1.87% 2.40% 2.43% 2.60% 2.63% 2.65% 2.69%
24 Months 1.95% 1.97% 2.80% 2.84% 2.85% 2.89% 3.05% 3.10%
31 Months 3.15% 3.20%
36 Months 2.00% 2.02% 2.85% 2.89% 3.00% 3.05% 3.20% 3.25%
37 Months 2.05% 2.07% 2.90% 2.94% 3.05% 3.10% 3.25% 3.30%
43 Months 2.10% 2.12% 2.95% 2.99% 3.10% 3.15% 3.30% 3.35%
48 Months 2.15% 2.17% 3.00% 3.05% 3.20% 3.25% 3.35% 3.41%
60 Months 2.020% 2.22% 3.05% 3.10% 3.25% 3.30% 3.40% 3.46%
84 Months 3.10% 3.15% 3.30% 3.35% 3.45% 3.51%

Fees may reduce earning on accounts. Dividends compounded and credited monthly on all share accounts, share certificates, & IRA certificates. Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.

* APY – Annual Percentage Yield. Minimum average daily balance required to obtain the APY for the dividend period.

Share Certificate of Deposit Special Disclosure:

Annual Percentage Yield. Terms, conditions, and restrictions may apply. APY is accurate as of 10/1/23 and is subject to change at any time without notice. A $500 minimum deposit is required. Penalty for early withdrawal. Fees may reduce earnings on the account. This promotion does not apply to Individual Retirement Accounts (IRAs).

The Board of Directors, as required by law, reviewed and set the rates to be paid on the following accounts effective April 1, 2023. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any Security First Credit Union Office.

Your Security First Credit Union deposits are insured by the NCUA.

The National Credit Union Administration, a US Government agency, insures SFCU deposits up to $250,000, per individual depositor.

Learn more about how your accounts are federally insured – click here