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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 There is no tax deduction for the contribution; however, all amounts withdrawn for qualified educational expenses are tax-free.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.

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.