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.

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Share Savings

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

Premier Money Market

If you keep $25,000 or more in balances, the Premier Money Market account will allow you to earn even higher interest rates.


  Share Savings
Vacation/Holiday Club
Money Market
Premier 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 Save at a higher tiered dividend rate with ready access to your money Earn higher interest rates on balances of $25,000 and higher
  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 $25,000
Rate Summary
Rates up to View here View here View here View here View here
Compounded Monthly Annually Monthly for 7 month terms Monthly 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 6 free withdrawals per month

Tiered Variable Rate Information: This account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the current rates page of our website.
Minimum Balance Requirements: The minimum balance required to open this account is $25,000.00. You must maintain a minimum average daily balance of $25,000.00 in your account each day to obtain the disclosed annual percentage yield and to avoid a fee.
Additional Information: In order to keep your account open, You must have a checking account with the Credit Union and have at least one direct deposit post to that account per month. If you fail to maintain these requirements, your account will be closed and the funds in your account will be transferred to a Money Market Account subject to the terms and conditions of such account.

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 Online Banking 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.