Credit union accounts for banking and long-term goals
SRFFCU offers account options built for real life. Whether you’re opening your first credit union account, saving with a specific goal in mind, or looking for a better place to grow your money over time, you’ll find options that fit. Members can choose from a variety of savings and checking accounts, Certificates, IRAs, and business accounts, all supported by personalized service, expert guidance, and the tools to make informed financial decisions. With solutions for individuals, students, families, businesses, and organizations, SRFFCU makes it easier to find the right fit now and as your needs change.
Savings account
A savings account is where your membership begins. With a low opening deposit, members can establish their relationship with Self Reliance Financial Federal Credit Union and gain access to additional products and services. It’s a simple, practical starting point for building good financial habits, setting goals, and keeping savings secure while staying connected to the full benefits of membership.
High yield savings account
A High Yield Savings Account gives members a better way to grow their money without giving up access to their funds. This account serves as a strong option for building an emergency fund, saving for a major purchase, or setting money aside for what’s ahead. With competitive returns and the flexibility to keep your savings within reach, this savings account makes it easier to save with purpose.
Checking account
SRFFCU’s Checking Account is built to make everyday banking easier. Members get convenient account access, easy transfers, mobile-friendly tools, a free Visa® Debit Card, and features that help avoid unnecessary costs. With no minimum balance requirement, no monthly service fees, and a free Visa Debit Card, it delivers practical value for day-to-day banking.
Other accounts
Money Markets
Money Market Accounts suit members who want to earn more on higher balances while still keeping access to their funds. It offers a middle ground between standard savings and more fixed long-term options.
Certificate
A Certificate works well for members who want predictable growth over a set term. If you’re comfortable setting money aside for a fixed period, Certificates help you lock in a competitive return and keep your savings focused on a defined goal.
IRAs
IRAs help members prepare for the future with savings built around long-term planning. Whether you’re thinking ahead to retirement or looking for a structured way to save over time, IRA options support your next chapter with more intention.
Student Savers Program
The Student Savers Program motivates children and teens to build smart saving habits from an early age. As part of participating Ukrainian schools, students make deposits, earn rewards, and develop real financial literacy skills.
Business & organization accounts
SRFFCU also offers accounts for businesses and organizations that need reliable everyday banking with personal support. From small businesses and churches to nonprofits and community organizations, these accounts help organizations manage money with confidence while keeping day-to-day banking simple, secure, and accessible.
Frequently Asked Questions (FAQs)
What do I need to open a savings account?
The General Membership Requirements to join SRFFCU are:
- Valid Government Issued Photo ID
- Social Security Card
- $50.00 Minimum Balance in Savings
- $10.00 One-Time New Membership fee
Can I open my account online?
Yes, you can open an account online. Take a moment to review our field of membership, and if you’re eligible, go ahead and submit your application. We’ll be excited to welcome you as a member.
How much money is fully insured at the credit union?
Your money is safe and secured at SRFFCU, with it being insured up to $250,000 by the National Credit Union Administration (NCUA). The NCUA is a federal government regulator and insurer for credit unions.
What is the difference between a Primary Member and a Joint Owner on an account?
A Joint Account is an account owned by two or more persons. The Primary Member on an account holds full authority to manage the account, including the ability to add or remove joint owners. Joint Owners have access to the account and may conduct transactions, but they do not have the same ownership rights, voting rights, or account-management authority as the Primary Member.
If I am a Joint Owner or authorized signer on an account, does that make me a member?
No. Being a Joint Owner or an authorized signer does not automatically make you a member of the credit union. To become a member, you must qualify under our field of membership, open your own account, maintain the required minimum share, and pay the nonrefundable membership fee.