Standard Savings Account
Start saving for your future! Set aside an emergency fund, or save for a home, a new car, a wedding, or another large purchase. Grow your money with tiered interest rates, where higher balnce earn more.
Are you already a member? Log into Online Banking or click here to open an account.
Save Today for a Secure Tomorrow
At San Francisco Federal Credit Union, we want to make it easy to grow your savings. That’s why our Standard Savings Account doesn’t have any monthly fees and there is no minimum deposit requirement. You can start saving right away, and every dollar you deposit helps you reach your savings goals. Open an account today to take advantage of a competitive rate and enjoy easy access to your funds when you need them. Open a credit union savings account today to start building your savings!
Invest in a Brighter Future with Every Dollar You Save
Competitive Rates
With tiered credit union savings rates, higher balances earn more.
No Minimum Deposit
No minimum deposit requirement means you can start saving right away!
No Monthly Fees
More of your hard-earned money stays in your account to help grow your balance.
NCUA Insured
Accounts are insured by the National Credit Union Administration for up to $250,000.
Standard Savings Account
Growing your savings has never been easier! Take advantage of tiered interest rates and earn more as your account balance grows. Easily monitor your savings progress online or with your mobile device, and access your funds when you need them through our network of over 30,000 ATMs nationwide.
Is your schedule full? Set up automatic transfers from your checking account so your savings will continue to grow even if you forget to make deposits. All this while conveniently monitoring your savings progress with your mobile device. Open a Standard Savings Account today to start building a solid foundation for the future.
Credit Union Savings Account Rates
| Amount | APY* |
|---|---|
| $100 (min) | 0.015% |
| $2,500 (min) | 0.015% |
| $20,000 (min) | 0.015% |
| $50,000 (min) | 0.025% |
| $80,000 (min) | 0.025% |
| Last Updated: 02/01/2024 | |
Additional Features of Standard Savings Accounts
Online & Mobile Banking
Track your savings goals and monitor your progress anywhere, anytime.
Automatic Transfers
Set up automatic transfers from your checking account to grow your savings on autopilot.
ATM Access
Withdraw cash without fees at more than 30,000 ATMs nationwide.
Flexible Funding Options
Easily fund your account with direct deposits, electronic transfers, or by depositing checks via mobile banking.
Flexible Withdrawal Options
Access your funds when you need them without penalty through electronic transfers or by visiting a branch.
Personalized Service
Our dedicated team is always here to support you. We’re just a phone call away if you have any questions or need assistance.
Applying Is as Easy as 1-2-3!
Apply Online
Click the button below to fill out our short application, or drop by a branch.
01
We’ll Contact You
We’ll reach out to you and let you know when your account is ready, typically within one business day.
02
Fund Your Account
Deposit money into your new account to start saving for the future!
03
Why Choose San Francisco FCU?
At San Francisco Federal Credit Union, we prioritize our members’ needs over profits. We’re dedicated to helping our members achieve all of their financial goals, and we’re always just a phone call away if you ever have a question or need assistance.
In addition to our savings accounts, we offer a full range of financial products. We have you covered whether you need a loan, a credit card, a checking account, or something else. Become a member today for personalized service that puts your needs first!
Member Reviews
San Francisco Federal Credit Union Standard Savings Account FAQ
Savings accounts are designed to help people grow their savings. Per federal regulation, you can make up to six (6) withdrawals or transfers from a savings account each month. If you exceed that amount, you will be charged an Excess Activity Fee.
With our Standard Savings Account, interest is calculated using the Daily Balance method. The daily interest earned is added to the account balance, and this new balance is used to calculate interest for the next day. This process repeats daily, and the total accumulated interest is credited to the account at the end of the month.
Yes, if your employer pays with direct deposit, you may be able to have a portion of your paychecks deposited into your savings account. It’s a great way to grow your savings!
Because savings accounts are intended for growing your savings, they do not allow for check writing. You can easily withdraw funds with transfers to your checking account.
Yes, you can conveniently check your balance and manage your account online or with our mobile banking app while you are on the go.
Yes, our Standard Savings Account is insured by the National Credit Union Administration (NCUA) for up to $250,000.
More Ways We Can Serve Your Banking Needs
Basic Checking Account
Easily manage your money without worrying about extra costs. Get the essential checking services you need with no minimum balance requirements, no monthly maintenance fees, online bill pay, and more!
Money Market Account
Earn a great rate on your money and enjoy access to your funds anytime without withdrawal penalties. Take advantage of tiered interest rates, allowing higher balances to earn even more!
Certificate Account
Grow your savings risk-free with a fixed interest rate and guaranteed returns. CDs are a good way to save for a down payment on a home, a new car, or another large expense. Terms of 3 to 60 months are available.