Share Accounts (Savings Accounts)

Coins in jar for savings.

Savings Accounts

 Rest easy with your money safe and sound in an account that has no monthly service fees or minimum balance requirements.

When you join Sioux Empire Federal Credit Union online or in a branch, you’ll open an ownership share account that represents your ownership in the Credit Union and is the foundation for your financial relationship. 

To establish an ownership share or savings account a $5.00 deposit must be made. This amount will remain in your account as long as you are a member of Sioux Empire Federal Credit Union. You can even open and fund your new ownership share all online by clicking the blue button above! 

Not sure if you qualify for membership at Sioux Empire Federal Credit? Review the Eligibility Requirements quickly before submitting your membership application. If you have questions or special concerns, feel free to give us a call at (605)367-7070.

If you’re trying to save for a variety of things at the same time, you can establish as many additional savings accounts as you like. For example, if you are getting married in the near future you may have a “wedding account” or maybe you’re planning that next big family vacation and want to establish a “vacation savings”. Whatever you’re saving for, you’ll find the perfect fit here. Additional savings accounts can be opened online withing It’sMe247 Online Banking.

Seeking a little higher return while not sacrificing access to your funds? We’ve got options! Current rates can be found within these tabs by clicking, “Savings Rates”.

Save for the holiday season all year long! A Christmas Club account allows you to save a little throughout the year for disbursement when you’re ready to shop! 

Bright Start Youth Account Logo

Bright Start Youth  (0 to 12 Year-Olds)

Any minor under the age of 12 is encouraged to open their very own Bright Start savings account! It’s a great way to start saving all that allowance and is a safe place to keep Grandma’s birthday money until it’s ready to be spent. Click the title of this section to learn more and play interactive games!

Learn more about Bright Start and explore interactive games by clicking here!

Neon Teen Account Logo

Neon Teen Accounts (13 to 18 Year-Olds)

The Neon Teen program is designed just for teens that are between 13-18 years of age. Discover the benefits of saving early and planning for your amazing future by working through your age-specific activities. Each time you complete an activity you earn 1,000 relationship points! These activities will teach you about the sometimes confusing things like using a debit card, your first car, and saving for college! Click below to complete activities, update your email, or download financial apps!

Ready to experience the Neon Teen perks? Click here!

Savings RatesEffective Thursday, July 25, 2019
APYMinimum
Deposit
Minimum
Balance
OWNERSHIP SHARE0.050%$5.00$50.00
CHRISTMAS CLUB0.050%$0.00$50.00
MONEY MARKET SAS0.250%$0.00$2,500.00
MONEY MARKET SAS0.500%$0.00$10,000.00
MONEY MARKET SAS0.750%$0.00$25,000.00
PRIME YIELD MM SAVGS0.110%$0.00$25,000.00
PRIME YIELD MM SAVGS0.360%$0.00$50,000.00
PRIME YIELD MM SAVGS0.610%$0.00$75,000.00
PRIME YIELD MM SAVGS0.860%$0.00$100,000.00
BASIC SHARE DRAFT0.000%$0.00$0.00
DIVIDEND BEARING SD0.050%$0.00$1,000.00
SECONDARY SHARE0.050%$0.00$50.00
*Minimum Balance to earn dividends.

Dividend Donations
Support your favorite local cause by having your earned dividends (interest) automatically donated on your behalf! Available causes include:

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