Savings and Checking

Services Center FCU offers a wide variety of savings accounts designed to help our members plan and build for their financial future.

Share Account (Savings Accounts)

The Credit Union’s primary savings account establishes membership and gives our members a share of ownership. The primary savings (share) account can be opened with a $10 deposit.

Christmas Club Accounts

Our Christmas Club Account makes saving for the holidays all year long possible. This account can be opened anytime throughout the year, but withdrawals are limited to the time period of November 1st through December 31st.

Sub-Savings (Share) Account

Are you saving for something special? Our members can open a special savings account to set aside funds for emergencies expenses or a vacation. Whatever you are saving for, these special accounts will give you a separate savings account that will earn dividends and be accessible through audio and online services.

Share Certificates

We give you options to choose from a variety of share certificates with terms ranging from 91 days to 36 months.


Reach your retirement goals with a Services Center FCU IRA. An Individual Retirement Account or IRA, is a self-funded retirement plan that allows you to contribute a limited yearly amount toward your retirement. We offer both Traditional and Roth IRAs.

  • IRA Shares
  • IRA Certificates
  • Share Draft (Checking)

    We know you work hard for your money, so we work hard at providing you with a checking account that is tailored to meet your financial and lifestyle needs. Our checking accounts are hassle-free, convenient, and have no minimum balance or monthly service charge. Features include:

  • No Minimum Balance Requirements
  • No Per-Check Charges
  • No Monthly Service Fees
  • Free Online & Mobile Banking
  • Free E-Statements
  • FREE Debit Card (Available Free to Qualifying Members) Using a debit card is just like writing a check, only easier! When you use funds from your debit card, the funds are taken directly from your checking account. Your debit card is accepted everywhere.
  • ATM's (Free with SCFCU Debit Card)
  • Rescue Net
  • Rescue Net Protection is a line of credit for your share draft (checking) account. You apply for Rescue Net just like you would a loan. It is activated when you write a check, an ACH withdrawal is presented for payment or you complete a debit card transaction for more than the available balance in your share draft account. Rescue Net funds will be disbursed in your share draft account in increments of $100.00, up to your limit, with an advance fee of $5.00 per occurrence. No fee will be assessed if you, the member, complete the advance yourself using CU*Talk (audio response) or It’sMe247 (internet banking) and transferring the money yourself.

  • Debit Card Roundup
  • Allows you to automatically save by having your debit card transactions rounded up to the nearest dollar and then deposited into a designated share (savings) account.