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Savings Accounts

A cool vacation starts with a smart Savings plan.

Savings Accounts

All SFEFCU Savings Accounts include*:

  • Your account earns dividends once your balance reaches $100.
  • Deposits can be made through direct deposit, ACH, by mail or in person.
  • No monthly service fees or withdrawal limits.
  • Use your SFEFCU Free ATM card to make free withdrawals at Publix ATMs.
  • View your account online or on your mobile device 24/7.
  • Receive free quarterly statements electronically or by mail.
  • Dividends are compounded daily and credited to your account quarterly.
  • All savings accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.

*Excludes Money Market Accounts.

To open any SFEFCU Savings Account, visit any one of SFEFCU's branches.

Prime Savings

Your Prime Savings Account is your membership account. You only need a $5 minimum deposit to open a Prime Savings, which will need to remain in the account.

College Tuition Savings

With a SFEFCU College Tuition Savings Account, you can start planning today for tomorrow's scholar.

Coverdell Education Savings

A SFEFCU Coverdell Education Savings Account offers flexibility to fund your child's education. Up to $2,000 can be contributed to a single beneficiary's account per year. There is no tax deduction for the contribution; however, all amounts withdrawn for qualified educational expenses are tax-free.

Health Savings

A SFEFCU Health Savings Account is an IRA-like account designed exclusively for covering medical expenses incurred under a high-deductible health insurance plan. Health Savings Accounts were created by Congress to combat rising medical costs.

Holiday Savings

Don't get caught short during the holidays. A SFEFCU Holiday Savings Account can help make funds available for all your special gift giving. Planning ahead and establishing a spending limit will help prevent you from going overboard.

Income Tax Savings

Don't get caught owing money. A SFEFCU Income Tax Savings Account is designed for members who want to save for their income tax payments. Set aside a little at a time and save yourself the headache a large payment all at once.

Members' Choice Savings

Personalize the titles of up to ten savings accounts to help you save separately for any special occasion. For example: Wedding Account, Family Reunion, Graduation Trip, etc.

Money Market Account

A SFEFCU Money Market Account is a savings account that pays higher interest while allowing you to keep your money more accessible than a certificate of deposit. It also earns a higher rate of interest because it requires a higher minimum deposit*. A Money Market Account allows you to make up to six electronic withdrawals per month. If your balance falls below the $2,500 minimum balance requirement during the month a service fee is assessed.

For more information about our Money Market Account, view our Money Market Account rates and our Frequently Asked Questions (FAQs) page.

*Money Market Account deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA).

Property Tax Savings

For those members who don't have an escrow account with their mortgage company, a SFEFCU Property Tax Savings Account can help you save money to pay your property taxes.

Student Savings

Develop strong savings habits with a SFEFCU Student Savings Account.

Summer Savings

Designed for the member on a ten-month pay plan, a SFEFCU Summer Savings Account can help when you are not receiving a paycheck. Start regular biweekly deposits anytime during the year. By summer, your accumulated savings, plus dividends, can help you cover summertime expenses.

Vacation Savings

Whether you are planning a weekend getaway or a vacation around the world, a SFEFCU Vacation Savings Account is the perfect way to make sure you will have money when you need it.