Saving Options


Primary Savings Account

With your minimum deposit of $25  to open and maintain your savings account, you can collect higher-than-average dividends

Free 24-hour telephone access with Online Banking, Mobile Banking, and Round-The-Clock Teller at (901) 261-6261 or (855) 726-9025 

Automatic Transfers, Direct Deposit and Payroll Deductions make depositing to your savings easy

Three free withdrawals per month

Certificate of Deposit

A secure way to invest for a specified term and achieve higher earnings than you normally can in a regular savings account. 

Affordable $1,000 minimum investment with terms from 1 to 3 years and guaranteed rates of return

Certificates earn higher dividends than share savings

Choose to have your dividends automatically credited to your certificate’s principal, transferred to another SCFCU account or mailed to you by check

Automatic renewal for your convenience at the end of the term for a like term at the current rate

Can be used as collateral for low-interest loans for the length of the certificate

Note: Certificates of Deposit closed before maturity are subject to early withdrawal penalties

Christmas Club Account

Put extra jingle in your pocket for the holidays by saving a little bit throughout the year.

Make regular budget-friendly deposits by payroll deduction, direct deposit, or cash/check throughout the year

No opening deposit required

Subject to early withdrawal penalty