Share Savings

SACU membership begins with a simple account designed to get you saving. All it takes is a $5 deposit to get started!

  • Open with $5 minimum deposit
  • Earn 0.25% APY on daily balances of $100 or more
  • Even more flexibility for members under age 18
  • Four free withdrawals per month plus unlimited free withdrawals with balance of $1,500 or more
  • Funds federally insured up to $250,000

Note: Pay $2 per withdrawal if you make more than 4 per month, maintain a balance less than $1,500, or if you are over 18 years old. For other options, see all Checking & Saving.


Great Rates and Dividends

Your SACU Share Savings account pays you a great annual percentage yield (APY) and dividends with no minimum daily balance requirement. Dividends and APY are paid quarterly on any daily balance of $100 or more, but without penalty for lower balances. Members under the age of 18 earn dividends on minimum daily balances of just $5!

Note: Dividends are paid quarterly 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.


An Accent on Savings

Your SACU Share Savings account allows you to make up to four free withdrawals each month. Need more than four? Pay a low fee of $2 per additional withdrawal during the monthly statement cycle. Avoid withdrawal fees by accruing higher balances. Maintain a minimum daily balance of $1,500 or more within a monthly statement cycle and get unlimited free withdrawals during that month. Members under the age of 18 get unlimited withdrawals with no minimum balance requirement!

A Great Savings Account for Minors

A SACU Share Savings account is a great option for members under 18 years old. Get the same great rates and dividends as the grownups with fewer restrictions. Minor account holders get:
  • Unlimited free withdrawals with no minimum balance requirement
  • Dividends paid quarterly on minimum daily balances of just $5.00

Note: Minor Share Savings account terms revert to regular Share Savings terms upon the account holder’s 18th birthday.

A Debit Card Designed For You

SACU provides a free debit card with any SACU savings account. You get easy access to your funds through our network of ATMs in the San Antonio and Houston areas, and at select Mastercard® merchants worldwide.

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.

Take advantage of the SACU debit card rewards program free of annual fees. Just choose signature-based transactions rather than PIN-based transactions to earn rewards at a rate of one bonus point for every $2 you spend. Track bonus points and redeem them for rewards at

Bonus: Apply for an SACU Mastercard® credit card to earn even more bonus points or choose cash back.

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

Free Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

Money Market Savings

Step up to an insured investment account that motivates saving with higher dividends as your balance grows.

SACU Rate Preferred Visa®

Look no further for a no annual fee credit card with great rates.

Share Savings Rates

Account BalanceDividend RateAnnual Percentage Yield
$5.00 - $99.990.00%0.00%
$100.00 and up0.25%0.25%
Account BalanceDividend RateAnnual Percentage Yield
$5.00 - $99.990.25%0.25%
$100.00 and up0.25%0.25%

Rates are effective as of April 21, 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.