Savings
Share Savings
At SFCUNM, we're concerned with your complete financial well-being. And that concern is certainly evident in our products designed to help you save.
Savings Question: What will it take to become a millionaire?
Answer: Try our savings calculators to find out.
A $5 deposit to your Share Savings Account gives you access to our wide array of products and services designed to help achieve economic wealth; it's your ownership in your credit union.
Share Savings Accounts are:
- Flexible: Offering a competitive dividend
- Accessible: Access to your account online, over the phone, or through a branch
This is a great account for making your savings work for you, whether your needs are short or long-term.
Christmas and Vacation Club Savings
Our Club accounts are designed to help you make the holiday season or your next vacation more affordable. And, they pay premium dividends while you do it!
Each Club account requires a minimum deposit of $5. Your funds are automatically transferred to your savings in November for the Christmas Club, May for Vacation Club (withdrawals at other times are permitted; however, there is a $10/withdrawal fee). Then, your Club account starts over for the next year.
Automatic transfer is an effortless, systematic way to save.
Dividends are paid monthly.
A Certificate Account is a smart way to save when you want your money to earn more and do not need access to your savings for a specific period of time. Because each Certificate is held for an exact number of months, it's a perfect choice when you want to save money for a future purchase or expense.
- Travel — Is there a dream trip in your future? Depending on the period the Certificate is held, the Southwest Federal Certificate Account interest rate could earn you as much as double the interest of a traditional savings account.
- Major Purchase — Planning to buy a home entertainment system, major appliance, boat, new home furnishings or make any other large purchase? You can choose Certificate Account terms ranging from three to 60 months so your money is ready when you need it.
- Comfortable Retirement — Imagining a retirement without money worries, full of travel, and relaxing times with family and friends? Not only does the Southwest Federal Certificate Account rate earn higher interest, but you can have your Certificate Account automatically renew with the original terms.
Earn more — the easy way.
Paying a higher Certificate Account interest rate than a basic savings account, SFCUNM Certificate Accounts are convenient and flexible. Make the most of the money you ave worked so hard to earn with the best Certificate Account available.
Get frequent access to your savings with Ladder Certificates
There's even an option to earn the higher Certificate Account interest rate without locking all your money into one long-term account.
See how much your money can earn with the best Certificate Account from SFCUNM.
*For current rates, consult our Certificate Account Rates.
Finding flexibility along with a solid dividend rate can be truly difficult.
Not at SFCUNM. Our Money Market Account is comfortable, flexible, accessible at any time, and there are no fees.
Money Market Accounts are:
- Tiered dividend: As your deposits build, your tier or dividend rate jumps as well
- No minimum balances: Save money according to your schedule
- Security: Your money is federally insured, so your principal isn't at risk
- Anytime access: Tap into this resource without incurring fees or penalties
- Convenient: Service is available online through Web Access, over the phone, via automatic withdrawal, and more
Individual Retirement Accounts
What do you want out of retirement? Do you want to travel? Do you want to retire early? Or do you simply want a secure source of adequate income? Whatever your retirement goals, a SFCUNM Individual Retirement Account (IRA) can help you reach those goals. Questions about retirement? Try our retirement calculators. Southwest Federal IRAs offer you:
- Long-term savings with compounding dividends
- Low risk
- Minimal maintenance
- Easy set up
