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Personal Savings

Unlike other credit unions that charge a membership fee to join, we require only $5 in your savings account to secure your ownership share in the Credit Union and a $10 tax-deductible donation to the nonprofit we founded – the Center for Financial Empowerment. SCE FCU then matches every $10 donation and the funds are gifted directly to the financial education projects in our local communities.

Prime Savings

Offering convenient access in person, by phone, via Online Banking or by mail.

  • Dividends paid on balances of $250 or more
  • Ability to make automatic deposits into the account
  • Free automatic overdraft to your SCE FCU checking
  • $5 minimum opening deposit

Super Saver

No minimum balance to open and pays a higher dividend rate, with dividends paid on the entire balance. Two free withdrawals are allowed per calendar year without penalty. This account is designed to help you save.

Holiday Club

Making it easier to save for the holidays, you can even set up automatic deposits from your paycheck or transfers from your primary SCE FCU account. By the November 1st distribution each year, you’ll have saved quite a bit – effortlessly! Plus, the account earns dividends!

Vacation Club

Save money conveniently and automatically from your paycheck or transfers from your primary SCE FCU account throughout the year. On June 1st, you’ll have all the money you’ve deposited – plus dividends – to go toward your well-deserved vacation spectacular!



Rate Table: Checking & Savings

Checking & Savings Rates
  Dividend Rate7 APY8 Compounding Minimum Balance Minimum Deposit
Rewards Checking 0.05% 0.05% Monthly $0  
Free Checking 0.00% 0.00% None $0  
Fresh Start Checking 0.00% 0.00% None $0  
Teen Checking9 0.00% 0.00% None $0  
Prime Savings 0.05% 0.05% Quarterly $250 $5
Super Saver 0.10% 0.10% Quarterly $0  
IRA Savings 0.10% 0.10% Monthly $0  
Health Savings Checking 0.05% 0.05% Monthly $0 $50
Non-Dividend Savings 0.00% 0.00% Monthly $0  
Youth Savings9 0.05% 0.05% Quarterly $5  
Youth Super Saver9 0.10% 0.10% Quarterly $0  
Holiday & Vacation Club10 0.05% 0.05% Monthly $0 $10

Fees & Charges

Printable Rate Sheet