Service First offers a variety of savings options to fit any lifestyle or age group.
An initial deposit of $5.00 purchases your share of the credit union and serves as the key to everything we have to offer. As you grow your Share Savings account, your balance in the account continues to accumulate interest.
Share Savings
| Dividend Rate | APY* |
| 0.10% | 0.10% |
*Annual Percentage Yield. Rates effective November 1, 2009, subject to change. Dividends paid monthly.
A minimum balance of $5.00 must be held in your share savings account to retain your membership at Service First Federal Credit Union.
Share Certificates
- A safe investment with a higher yield.
- Many terms to choose from.
- Dividends paid at maturity or monthly to Share Savings account or Share Draft account.
- Penalties may apply for early withdrawal.
- Low minimum deposits are required.
| Term | Minimum Deposit | Dividend Rate | APY* |
| 6 Month | $500 | 0.20% | 0.20% |
| 12 Month (Make 1 withdrawal (up to 25% of initial deposit) without penalty during the term of this Certificate.) | $500 | 0.25% | 0.25% |
| 18 Month | $1,000 | 0.30% | 0.30% |
| 24 Month | $5,000 | 0.35% | 0.35% |
| 36 Month | $5,000 | 0.40% | 0.40% |
| 48 Month | $5,000 | 0.60% | 0.60% |
| 60 Month | $5,000 | 0.75% | 0.75% |
*Annual Percentage Yield. Rates as of January 15th, 2013, subject to change. Penalty for early withdrawal.
IRAs
A secure way to save for your retirement!
- Roth IRA, Education IRA, and Traditional IRAs.
- Earn a high rate of interest, which is paid monthly.
- Funds can be transferred or rolled over to or from another retirement plan once
during a 12 month period.
- Withdrawals can begin at age 59 ½, and must begin at age 70 ½.
ROTH IRAs excluded.
- Member has until April 15 of the following year to make contributions for prior year tax purposes.
| Balance Amount | Dividend Rate | APY* |
| $0 - $4,999.99 | 0.15% | 0.15% |
| $5,000 - $19,999.99 | 0.20% | 0.20% |
| $20,000 or more | 0.45% | 0.45% |
*Annual Percentage Yield. Rates as of January 15th, 2013 subject to change.
First Insured Money Market Account (FIMMA)
First Insured Money Market Account for Members who keep a high savings balance.
- Minimum balance is $1,000.00. If your balance falls below this amount your interest is based on the current share savings account rate.
- This account earns a higher rate of interest than other savings accounts, accrued daily and paid monthly.
- Member can make up to three withdrawals per month of $250 or more.
- Minimum deposits of $250.
| Dividend Rate | APY* |
| 0.15% | 0.15% |
*Annual Percentage Yield. Rates effective August 1, 2011, subject to change.
Premier Money Market Account
Higher yields for higher savings balances.
- $5,000 minimum opening balance required.
- $1,000 minimum withdrawal with a limit of 3 withdrawals per month.
| Deposit Amount | Dividend Rate | APY* |
| $5,000.00 - $9,999.99 | 0.10% | 0.10% |
| $10,000.00 - $24,999.99 | 0.15% | 0.15% |
| $25,000.00 - $49,999.99 | 0.17% | 0.17% |
| $50,000.00 - $99,999.99 | 0.20% | 0.20% |
| $100,000.00 + | 0.25% | 0.25% |
| If balance falls below $5,000.00 | 0.05% | 0.05% |
*Annual Percentage Yield. Rates as of January 15th, 2013, subject to change.
