Gateway Checking

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

  • Open with a $2,500 minimum deposit
  • Up to 0.25% APY with dividends paid monthly
  • No monthly fee with $2,500 minimum balance
  • Unlimited check writing, Bill Pay access, and free wire transfers to purchase investments from CUSO Financial Services
  • Funds federally insured up to $250,000

Note: If minimum balances are not met, a $10 monthly service fee is charged. For more options, see all checking.


Tiered Dividends

Gateway Checking waives the $10 monthly fee and earns dividends when you maintain an average monthly balance of $2,500 or more. Earn Money Market rates and receive higher dividends as your balance grows.

Note: Tiered dividends are paid on monthly balances of $2,500 or more. If the balance drops below a $2,500 average daily balance over the course of the statement cycle, dividends no longer accrue on the account. Dividends are calculated using the daily balance method. Your balance tier determines the daily dividend rate and annual percentage yield on the daily account balance. The rate is variable, and may change at any time after the account is opened. Fees could reduce dividend earnings.


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

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

BillPay for Added Convenience

Though you get unlimited check writing privileges with your Gateway Checking account, you can also opt to pay bills quickly and securely with online BillPay. You decide whom, when, and how often to pay. Set up one-time or recurring payments — cancel or change payments anytime before the processing date.

Bonus: Sign up for online banking and get a range of great ways to manage your Gateway and other SACU accounts.

Investment Perks

Great for those who are ready to invest, Gateway Checking account holders get free ACH and wire transfers to purchase investments with SACU partners. Check out all of our investment options and plan your future, today.

Note: Investment representatives are employees of SACU and registered through CFS. SACU is affiliated with CFS (Member FINRA/SIPC). Securities, investment products, and services are offered through CUSO Financial Services, L.P.,(CFS). They are: not NCUA/NCUSIF insured, are not obligations of the credit union, are not credit union guaranteed, and may lose value.

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

50 Gold Checking

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

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.

Home Equity Loan

If you’ve spent years investing time and money into your home, it may be time to explore ways to leverage its value.

Gateway Checking Rates

Account BalanceDividend RateAnnual Percentage Yield
$2,500.00 - $9,999.990.15%0.15%
$10,000.00 - $89,999.990.20%0.20%
$90,000.00 and up0.25%0.25%

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.

Gateway Checking requires a minimum opening balance of $2,500.