50 Gold Checking

Try a checking account specially designed for members age 50+ with no monthly fees, easy dividends, and extra perks.

  • No monthly fees
  • Earn 0.10% APY on balances over $500
  • Discounts on custom checks, safe deposit boxes and free standard Traveler’s Cheques
  • Open with $25 minimum deposit
  • Unlimited check writing and debit card access
  • Funds federally insured up to $250,000

Note: If minimum daily account balance of $500 is not met, dividends are not earned. For more options, see all checking.

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Easy Dividends

With 50 Gold Checking, there’s never a monthly fee, and you earn dividends on balances of $500 or more. To earn dividends, maintain a minimum daily balance of $500 in your 50 Gold Checking account. If the account balance drops below $500 as an average daily balance over the course of the statement cycle, dividends no longer accrue on the account.

Note: Dividends are paid monthly and are calculated using the daily balance method. The rate is variable, and may change at any time after the account is opened. Fees could reduce dividend earnings.

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Extra Discounts

SACU 50 Gold Checking account holders get discounts on custom checks, FREE standard traveler’s checks and a 15% discount on a safe deposit box of any size (based upon availability).


A Debit Card Designed For You

Debit cards are available with all SACU checking accounts.  Choose from an SACU, Spurs or UTSA Rewards Debit Card design – all exclusively from SACU. Access funds at ATMs, including SACU ATMs in the San Antonio and Houston areas, and make purchases anywhere you see the Mastercard® logo.

Use your SACU debit card with your digital wallet at participating retailers.  Just add your SACU debit card to Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device.


You'll earn rewards with every purchase with the SACU debit card rewards program, with no annual fees. Simply choose the Credit option when using your card and you'll earn rewards at a rate of one point for every $2 you spend. Track points and redeem them for things like airline tickets, travel packages and merchandise by visiting www.scorecardrewards.com.

Note: San Antonio Spurs and UTSA debit cards are available at any SACU branch location.


Your Insured Funds

As an SACU member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

More Details:  Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at (210) 258-1234 or toll free at 1-800-688-SACU (7228) for further information on your insured funds.

Join SACU and become a member today

Gateway Checking

Put your money to work with a full-service checking account that offers higher dividends when you maintain higher balances.

Extra Value Checking — and Extra Value Plus!

From dividends to discounts, get a full package of perks and extras when you choose Extra Value or Extra Value Plus Checking with SACU.

Boat & RV Loan

Ready for a recreational vehicle? Creating family fun and shared memories could be a great investment for you.

50 Gold Checking Rates

Account BalanceDividend RateAnnual Percentage Yield
$500.00 and up0.10%0.10%

Rates are effective as of January 13, 2017

The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts.

Balance tier determines daily dividend rate and annual percentage yield on the daily account balance.

Your SACU investments are insured up to at least $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your SACU IRA investments are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Account Service Representative or call the SACU Member Service Center U.S. Toll Free at 1-800-234-7228 or in San Antonio at 210-258-1234.

SACU checking accounts require a minimum $25 deposit to open.