Savings Accounts
A Smarter Way to Save
Build a stronger financial future with a savings account designed to make your money work harder.
Open an AccountSavings Accounts
A Smarter Way to Save
Build a stronger financial future with a savings account designed to make your money work harder.
Open an Account
Explore Our Savings Accounts
Share Certificate
Achieve your savings goals sooner and earn higher returns on your deposits.
- Dividends paid quarterly
- Fixed-term certificates (3 – 60 months)
- Minimum balance requirement of $1,000
Holiday Club Account
Enjoy an easy way to save for the holidays or any other upcoming expenses.
- Earn dividends on balance
- Receive funds in November
- Open a new account any day of the year
- No minimum balance requirement
Money Market Account
Earn greater dividends when you maintain higher account balances.
- Dividends paid monthly
- Check writing capabilities
- Minimum balance requirement of $2,500
- Higher returns than most traditional savings accounts
- Up to three no-fee checks per month
Please review our Account Disclosures and Agreements here.
What Are You Saving For?
We recommend our Holiday Club Account.
We recommend our Money Market Account
We recommend our Share Certificate.
Prepare for a Brighter Future
It’s never too early to plan for your retirement, and it’s never too late to invest in your future! With a variety of individual retirement accounts (IRAs) with no setup fees, South Bay Credit Union makes it easy to get started.
Membership Share (Depository) IRA: Open this IRA with a deposit as low as $5, and easily set up automatic deposits through Payroll Deduction, Direct Deposit, or Automatic Transfer.
Membership Share (Depository) IRA: Open this IRA with a deposit as low as $5, and easily set up automatic deposits through Payroll Deduction, Direct Deposit, or Automatic Transfer.
Traditional IRA: Enjoy tax-deferred earnings and possibly tax-deductible contributions with this popular option. Withdrawals made before age 59½ may incur a 10% tax on early distributions. You must begin taking required minimum distributions at age 70½.
Traditional IRA: Enjoy tax-deferred earnings and possibly tax-deductible contributions with this popular option. Withdrawals made before age 59½ may incur a 10% tax on early distributions. You must begin taking required minimum distributions at age 70½.
Roth IRA: With this plan, you’ll pay taxes on your contributions to your account, but your earnings will grow tax-free. Withdrawals made before age 59½ may incur a 10% tax on early distributions. There are no required minimum distributions.
Roth IRA: With this plan, you’ll pay taxes on your contributions to your account, but your earnings will grow tax-free. Withdrawals made before age 59½ may incur a 10% tax on early distributions. There are no required minimum distributions.
Be sure to check with your tax advisor before establishing, contributing, withdrawing, or making changes to an IRA.
Be sure to check with your tax advisor before establishing, contributing, withdrawing, or making changes to an IRA.
Ask a South Bay Credit Union representative for more details.
Ask a South Bay Credit Union representative for more details.
Boost Your Financial Fitness
South Bay Credit Union members can access helpful money management tools and confidential financial counseling through BALANCE, our free financial fitness program. BALANCE can help you:
Create a budget
Create a budget
Review your credit report
Review your credit report
Get out of debt
Get out of debt
Prepare for homeownership
Prepare for homeownership
Becoming a Member Is Easy
You’ll need a deposit of $5 and less than 5 minutes to join and start enjoying the perks of your South Bay Credit Union membership.
Get Started Today
Open your account online in minutes. Have questions? We’re always happy to help.
South Bay Credit Union Works for YOU
Checking Accounts
Take Charge of Your Money
Manage everyday spending and earn interest on deposits.
Credit Cards
Enhance Your Buying Power
Enjoy a great low rate and worldwide purchasing power.
Home Loans
Make Your Dreams a Reality
Explore ways to buy or refi your home or access its equity.
