Spencerport Federal Credit Union
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Share Accounts

Share Rates Service Fees Check Reorder

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Your Funds Are Safe With Us
Daily Share Savings
Christmas Club Savings
Share Certificates
Share Draft Accounts (Checking)
VISA Debit Cards
Money Market Share Accounts

Your Funds Are Safe With Us

SFCU Federal Credit Union is Safe and Sound. SFCU is insured through the NCUA (National Credit Union Administration) for up to $250,000.00 per account owner. The NCUA is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. You may increase your level of insurance by having accounts across ownership categories that include single accounts, joint accounts, self-directed retirement accounts, and revocable trust accounts.

If you would like to determine how much of your SFCU savings is covered by federal insurance, please visit the NCUA insurance calculator at...
http://webapps.ncua.gov/ins/

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Daily Share Savings

Dividends are calculated daily and posted quarterly.  Dividends are calculated on the average daily balance for the month. A statement will be sent to you at the end of each quarter.

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Christmas Club Savings

Dividends are calculated and posted quarterly. A statement will be sent to you at the end of each quarter. Christmas club funds are automatically transferred into your share account on October 1.

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Share Certificates

We offer 6 month, 12 month and 30 month certificates. Rates are subject to change weekly and there is a penalty for early withdrawal. Dividends are calculated monthly and posted quarterly.

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Share Draft Accounts (Checking)

The Spencerport Federal Credit Union share draft account (checking) is available as follows:
  • No monthly service charge
  • No minimum balance required
  • No per check charge
You receive monthly statements with your cleared checks listed in numerical order.

You can apply for overdraft privileges on your checking account by applying for an overdraft line-of-credit. Click here to download the application.

You can also request to have your checking linked to your savings account for overdraft protection.  Please ask for details.

You can use direct deposit to put money into your SFCU checking account. You can do the same with Social Security or retirement checks.

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VISA Debit Cards

Visa debit cards offer the convenience of a checking account without the hassles of writing a paper check. VISA debit cards automatically deduct funds from your checking account, carry no annual fee, and can be used in ATM machines for cash withdrawals.  At a point of sale, simply choose the "credit" option to avoid the terminal fee; ATM terminal fees cannot be avoided.  VISA debit cards look like a VISA card but do not replace your charge card, since it deals only with your checking account.  Members can also apply for a line-of-credit and overdraft protection for the check card.  Applications can be requested at the office.

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Money Market Share Accounts

Features of our Money Market Share accounts are:
  1. It is a high interest daily savings account. Interest is paid from the day of deposit to the day of withdrawal.
  2. The Money Market Share account interest rate changes every 30 days.
  3. There are no monthly fees.
  4. The minimum initial deposit and minimum account balance is $2000.00.
  5. The minimum deposit to the account is $100.00.
  6. The minimum withdrawal is $500.00. There is a maximum of three (3) withdrawals per month.
  7. Dividend rates will be determined each month and will be based upon the Credit Union's earnings on its investment account with the Empire Federal Corporate Credit Union.
  8. If the account drops below the $2000.00 minimum balance, the account will be closed and transferred to your regular share account.  Dividends will not be paid on the Money Market Share account for any month in which the balance falls below the $2000.00 minimum.
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