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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. 

    Find Helpful Information and Tools

    Our support goes beyond your banking needs.

    Credit Report

    Keep an eye on your credit by requesting and reviewing your annual credit report.

    Learn More about credit reports

    Greenpath Financial Counselors.

    We’ve partnered with GreenPath Financial Wellness to help you build a budget, improve your credit score, coordinate a payment plan and more

    Learn More about our certified financial councelers

    Build your knowledge. Strengthen your foundation.

    Whether you’re a seasoned pro or a financial newbie, Sabine FCU can help you stay money-savvy.

    Learn More about financial education

      A Lifetime of Benefits Sabine Membership

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