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 Account

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 Account

Savings & Deposits

Keep your money growing with our 3.00% APY* High-Yield Money Market Account. Open your account in home banking today!

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

Open an Account

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

Open an Account

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

Open an Account

Please review our Account Disclosures and Agreements here.

What Are You Saving For?

Try Our Account Chooser

Are you saving for a specific occasion?

Yes No

We recommend our Holiday Club Account.

Learn More

Do you need access to your money at all times?

Yes No

We recommend our Money Market Account

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Will you maintain a minimum balance of at least $1,000 in your account?

Yes No

We recommend our Share Certificate.

Learn More

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.

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.

See IRS.gov for the current contribution limits.

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.

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: