Compare Personal Savings Accounts

At SAC Federal Credit Union, our mission is to help ensure your financial success. We offer an array of savings and investment options to help ensure that success far into the future. We understand that our members have different individual needs when it comes to banking. With that in mind, we'll help guide you through all of the options to find the ones that best meet your future goals. For our younger members, we also have special youth accounts.

Apply online, or stop by any of our branches to speak with a representative - we're here to help you.

See branch locations and hours of operation.

Share Savings

The Share Savings account estabilshes your SAC FCU membership. It represents your ownership of the credit union and gives you full member benefits.

Vacation/Holiday Club

These high yield, term-based accounts mature on May 1st and November 1st, just in time for summer vacation or the holidays.



Because these term-based accounts have a fixed rate, they are a safe, predictable investment for money you don't need to access regularly.

Money Market

The Share Draft Money Market account is good for people who want higher yields, but need ready access to their money.

  Share Savings
Vacation/Holiday Club
Money Market
Account Benefits
  Free ATM Card Save for holiday shopping, summer vacation, and other seasonal expenses 7 day grace period for making changes or cashing out a certificate upon maturity Smart way to save at a higher tiered dividend rate
  Borrow against your account balance   Borrow against your funds with a Certificate Loan  
Minimum Opening Deposits
  $5 $10 $1000 for 12 and 24 month terms $2500
Rate Summary
Rates up to View here View here View here View here
Compounded Monthly Annually Monthly for 7 month terms Monthly
      Quarterly for 12 and 24 month terms  
  3 free withdrawals per month Vacation Club matures May 1st, Holiday Club matures November 1st. Early withdrawal pentalty 7 month minimum term, early withdrawal penalty 6 free withdrawals per month
Regulation D
Withdrawals from share savings accounts are limited under this Regulation D. Limited transactions are withdrawals that are not processed at a branch or ATM location. Each share savings account is allowed 6 of these transactions before Regulation D goes into effect. Any withdrawals beyond the 6 allowed, including Point of Sale transactions, will incur a Regulation D Excessive Withdrawal Fee per transaction processed.

View Current Rates

Enjoy added benefits with all SAC FCU savings accounts

Free Direct Deposit

Make your life easier with direct deposit. Have your paycheck automatically deposited into your checking or savings account.

Free CU By Phone

This free service turns your touch-tone phone into a member service representative. You can access your account 24 hours a day.

Free CU@Home Online Account Access

Conduct your financial business any time day or night. Access all your accounts quickly and securely.


Free e-Statements

Avoid clutter and save filing cabinet space by signing up for e-Statements, where you will receive an e-mail monthly linking you to our secure website to view your statement online.

Free Internet Bill Pay

Set up automatic payments. No stamps or envelopes needed. It is the quick, secure and easy way to pay your bills.