* APY=Annual Percentage Yield. Minimum to open account is $25. Rate tiers are as follows: 4.35% APY applies to balances of $0.01 - $20,000 and 0.10% APY applies to balances over $20,000. 0.01% APY applies to all balances if monthly qualifications are not met. Checking account opened must be qualified based upon standard Sacramento Credit Union guidelines. Existing Sacramento Credit Union checking account holders are ineligible for the $200 bonus. Direct Deposit (electronic transfer for payroll, pension or government benefits) must post to new checking account by day 60 after account opening. A $200 bonus will be deposited into the new free checking account on the first business day after 60 days of the account opening. Bonus is considered interest and will be reported on IRS form 1099-INT. Offer valid through December 31, 2024.
** We offer the possibility of accessing incoming direct deposits made through ACH up to two days prior to the scheduled payment date. While we strive to provide early availability for direct deposits, it's important to note that this service is not guaranteed, and availability may vary for each deposit. Factors such as the timing of the originator's instructions, any predetermined limitations on early availability, and fraud prevention screening may influence fund availability. Please note that certain types of deposits, such as physical checks, remote check deposits, and other online transfers or electronic credits, are not eligible for Early Pay Day deposits or credits to your account.