SPFCU Checking Accounts SPFCU Checking Accounts

Your financial future starts with a solid savings plan

Saving for the future is the point. It's how you make plans and look forward to your someday.

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Please select if you are a member or non-member so that we can take you to the appropriate application.

Product Minimum Maximum Rates
Membership Savings

This account is accessible in Online and Mobile Banking, earns dividends, comes with no monthly fees, and is fully insured.

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Above $0
0.100%
APY*
Holiday Club

Plan ahead for the holidays with weekly or monthly deposits to this interest earning account.

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$0
$5,000.00
0.501%
APY*
$5,000.01+
0.150%
APY*
Premium Savings

This insured, totally liquid, dividend earning account earns more with higher balances.

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$0
$2,499.99
0.050%
APY*
$2,500.00
$9,999.99
0.800%
APY*
$10,000.00
$24,999.99
1.000%
APY*
$25,000.00
$49,999.99
1.000%
APY*
$50,000.00
$99,999.99
1.500%
APY*
$100,000.00
$249,999.99
2.500%
APY*
$250,000.00
$499,999.99
3.000%
APY*
$500,000.00
$999,999.99
3.000%
APY*
$1,000,000.00 +
4.000%
APY*
UrChoice Savings

Looking for another savings account, open a UrChoice Savings account that you can use for any purpose! There is no minimum balance required with this account.

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Above $0
0.100%
APY*
EzMoney Savings+

This is where you start if you’re 24 or younger and have $5,000 or less you want to save for the future.

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$0
$5,000.00
4.074%
APY*
$5,000.01+
0.150%
APY*
Health Savings Account (HSA)

Get more control over your healthcare expenses with this account and a HSA-compatible high deductible health plan.

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$0
$2,499.99
2.018%
APY*
$2,500.00
$9,999.99
2.018%
APY*
$10,000.00
$24,999.99
2.018%
APY*
$25,000.00
$49,999.99
2.018%
APY*
$50,000.00
$50,000.00 +
2.018%
APY*
Traditional & Roth IRA

Choose between the tax-deductible benefits of a Traditional IRA or the tax-free earning growth of a Roth IRA.

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IRA Savings
0.752%
APY*
Product Minimum Maximum Rates
Money Market Certificates

Choose a term from 3 months to 5 years with a $1,000 opening balance and earn a competitive rate.

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$1000
3 months
0.923%
APY*
$1000
6 Months
2.111%
APY*
$1000
12 Months
2.515%
APY*
$1000
18 Months
2.465%
APY*
$1000
24 months
2.921%
APY*
$1000
36 months
2.768%
APY*
$1000
60 months
3.023%
APY*
Step-Up Certificate

This account allows you to boost your rate up with changes in the market.

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$1000
24 months
2.870%
APY*
$1000
36 months
2.718%
APY*
Traditional & Roth IRA Certificate

Lock a minimum of $2,500 away and earn a competitive rate.

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$2,500
3 Months
0.923%
APY*
$2,500
6 Months
2.111%
APY*
$2,500
12 Months
2.515%
APY*
$2,500
18 Months
2.465%
APY*
$2,500
24 Months
2.921%
APY*
$2,500
36 Months
2.768%
APY*
$2,500
60 Months
3.023%
APY*
Product Minimum Maximum Rates
Money Market Certificate Specials

Take advantage of our 10-month Certificate of Deposit special today! 10 month Certificate of Deposits are available as Traditional or Roth.

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$1000
10 Months+++
Current Deposits at SouthPoint
4.650%
APY*
$1000
10 Months+++
with new deposits
4.750%
APY*

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