Account Options

Does your piggy bank pay dividends? (Didn’t think so.) Get invested in a savings account from Sioux Falls Federal Credit Union (SFFCU), and you’ll be floored by the number of interest-earning options you have at your disposal.

Open an Account

Regular Shares

When we say “shares,” we mean your very own piece of ownership of the credit union. When you open a savings account, you officially have yourself a share of SFFCU. And when you’re a “shareholder,” you’re free and clear to apply for our many other valuable products and services. This is our most basic savings account.

Open an Account

Requirements Amount
Minimum Opening Deposit $5
Dividend-Qualifying Balance $50
Fees Charged $0



Special Shares

Saving up for something specific can be difficult when everything’s talked about in numbers, balances and deposits. That’s where Special Shares come in. Pick out what you’re saving for—travel, high-cost upcoming bills, a wedding—and we’ll help you meet your saving goals through automatic transfers and generous dividends.

Open an Account

Requirements Amount
Minimum Opening Deposit $5
Dividend-Qualifying Balance $50
Fees Charged $0



Super Shares

For those with a little more seed money to start with, get super. A Super Shares account has a higher opening deposit requirement, but it offers the biggest opportunity to stockpile dividends, with six tiers of dividend-earning thresholds.

Open an Account

Requirements Amount
Minimum Opening Deposit $1,000
Dividend-Qualifying Balance $1,000
Fees Charged $0
Monthly Withdrawals Allowed Three



Share Certificates

Invest a little, get a lot. If you’re after one of the highest possible interest-earning rates SFFCU has, you can invest your funds into a share certificate with a fixed-rate return over a designated period of time. You choose your term, and cash in when the clock runs out (or re-invest to maximize your dividends). Stop by a branch to open your certificate.

Find a Branch

Requirements Amount
Minimum Opening Deposit $500 (12-60 months)
$2,500 (3-6 months)
Early Withdrawal Penalty Interest Earned (your initial deposit is yours)



Christmas Club

Post-holidays budget strains giving you tension headaches? The Christmas Club is a savings account made for you. Establish your shopping budget, pay into your account throughout the year and forego debt rage once January rolls around. Plus, you can earn dividends on your balance!

Open an Account

Requirements Amount
Minimum Opening Deposit $5
Dividend-Qualifying Balance $50
Fees Charged $0


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Share Secured

Now the money you have on deposit at Sioux Falls Federal Credit Union can do more than just earn a good yield – it can help you secure a low-rate loan, as well!

Ask about using any non-IRA savings or certificate account to secure a low-rate loan for any purpose. The money on deposit continues to earn a full dividend.

It’s an excellent way to establish or re-establish a credit history.

Because this type of loan poses little or no risk for the Credit Union, you will be offered some of the lowest rates available.

View Current Rates