The Works Checking

Get full-service checking and earn great dividends when you maintain minimum balance requirements across checking, savings, and certificate accounts.

  • No monthly fees when you meet balance requirements
  • Earn 0.10% APY on daily balances of $500 or more
  • Unlimited check writing and debit card access
  • Funds federally insured up to $250,000
  • Open with $25 minimum deposit

Note: If minimum balances are not met, a $7 monthly service fee is charged. For more options, see all checking.


Earn Dividends and Avoid Monthly Fees

With The Works Checking, a low monthly fee of $7 is waived when you meet daily balance requirements. Your daily checking balance of $500 or more, $1,500 combined checking and Share Savings balance, or $5,000 Share Certificate is all it takes. While you maintain a daily balance of $500 or more, you earn dividends as well!

Note: If meeting balance requirements with a Share Certificate, it must have the same account number as your checking account. IRA Share Certificates are ineligible.


Dividends are paid monthly and 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.

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

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.

Gateway Checking

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

Auto Loan

We help our members buy the cars they want. Once approved, you can negotiate with confidence.

The Works 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.