Savings

Fulfill your short-term goals. Develop long-term strategies. Grow your money safely while you live your life.

Savings Account

Establish your membership at Sabine FCU.

  • No monthly fees
  • Free Online Banking
  • Free e-Statements
  • Nationwide account access through shared branching at any participating credit union in the U.S.
  • $5.00 deposit required to open a savings account
  • $5.00 minimum monthly account balance
  • Dividends earned daily and posted monthly
  • Statements mailed quarterly

Opening a standard savings account gives you access to a range of products and services and establishes your status as a Sabine FCU member-owner.

Deposit Account Rates (Rate Table)
 ProductRate
Savings0.20% APY

APY indicates annual percentage yield. Rates subject to change at any time without notice. Early withdrawal penalties may apply. Fees incurred could reduce earnings. 

Minimum $5 deposit for savings and Christmas club accounts. Minimum $50 deposit for checking accounts. Minimum $1,000 deposit for IRA accounts. Minimum $1,000 deposit for certificates. 

Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA – National Credit Union Administration, a U.S. Government Agency.

IRA

It’s never too early, or too late, to begin planning for retirement.

  • Roll your 401k retirement over into an IRA if you change or leave your job. 

Open an IRA savings account with your choice of a Traditional, Roth, or Coverdell IRA. Use this account to begin building post-career financial security. Your future self will thank you.

Deposit Account Rates (Rate Table)
 ProductRate
IRA0.20% APY

Certificates

Lock it in and earn guaranteed returns on your savings.

  • Higher rates than regular savings accounts
  • $1,000 minimum opening deposit
  • $1,000 minimum balance
  • Terms of six (6) months to sixty (60) months
  • Earned dividends posted to a savings or checking account monthly or at maturity OR choose to compound your certificate
  • Automatic rollover options are available
  • Penalties for early withdrawals

When you open a certificate, you’ll commit to the term length that works for you. Set it and watch your savings grow.

Certificate Deposit Account Rates (Rate Table)
ProductRateAPYE
6 months3.85%3.919%
12 months4.40%4.49%
18 months3.50%3.55%
36 months3.25%3.30%
60 months3.25%3.30%

Christmas Club

Save for gifts, travel, and special events.

  • $5.00 minimum opening deposit
  • Dividends earned daily and paid monthly
  • Funds can be used for vacation, taxes, or other expenses

Budget for the holidays and be extra generous by opening this savings account dedicated to gift-giving and other related expenses.

Deposit Account Rates (Rate Table)
 ProductRate
Christmas Club0.20% APY

Best Years Club

If you’re 55 or older, you’ve earned exclusive money-saving benefits. 

  • Free check copies
  • Free printouts
  • Free ATM card
  • Free personal checks (one box at a time, styles limited)
  • One free money order per month, then $2.00 per additional money order
  • One free cashier’s check per day, then $5.00 per additional cashier’s check
  • One free teller check per day, then $5.00 per each additional teller check
  • Domestic wire transfers for $10.00
  • Stop payments for $15.00
  • Safe deposit box rental at ½ the annual fee

Use your seniority to your advantage by opening this account with exclusive benefits for our members 55+.

Free Checking

Like the name suggests, there’s no monthly fee. What might surprise you: All the perks that come with it.

Online and Mobile Banking 

Manage your money without missing a beat. 

Scottie Savers 

We wouldn’t leave our youngest members out. Savers 12 and under can also get in on the fun. 

A Lifetime of Benefits Sabine Membership

Are you eligible to unlock the benefits of Sabine FCU membership?