SFCU Products/Services

Products

Products/Services

Savings Checking Term Share Certificates IRA's Home Banking Audio Response

$5 minimum required to open a Savings Account.
Dividends are calculated using the daily balance method and paid monthly on balances over $25. (The rate may change at any time without notice.)

Checking Accounts

Shamrock Federal Credit Union offers four checking accounts, for the varied needs of our members.

	Basic Checking No minimum balance required. No monthly service charge. No per check charge $50 deposit required to open account.
	Interest Bearing Checking No per check charge Dividends on your daily balance. $4 service charge if balance is below $400. $50 deposit required to open the account, deposit $400 for no monthly fee.

Gold Club Checking (members age 55 and older)
No minimum balance.
No monthly service charge.
No per check charge
Earns dividends on your daily balance, paid monthly.
$50 deposit required to open the account.

Gem Checking
Free Unlimited Internet Bill-Pay
No Minimum Balance
No per check fee
Earns dividends on your daily balance, paid monthly
$50 deposit required to open the account
1 box of FREE GEM checks per year
Free Stop Pay each month
No fee on 1 Cashier’s Check per month
No fee on single signature Traveler’s Cheques
Free Notary Public, local faxes and up to 10 copies per month
$7.50 service charge per month
Other Benefits include:
Free internet access (contact your branch for availability)
Free subscription to Home & Family Finance Magazine
Discounts on rental cars
GEM Checking Credit Card Registration
GEM Retail Discount Program
GEM Checking Travel Plus
Accidental Death & Dismemberment Coverage
In-Hospital Cash
Life Checking Coverage
Discounts on AFLAC
GEM Checking Key Ring Registration
GEM Checking Personal Property ID Tool
GEM Checking Emergency Data Card
Discounts on Dental & Vision Services and Prescriptions
Discounts on Hotel Rooms

Term Share Certificates

SFCU offers competitive rates on a variety of terms for Term Share Certificates. The minimum to open a Certificate is $1,000. Terms range from 6 months* to 5 years*.

Jumbo Certificates are also available in a variety of terms* with a minimum deposit of $100,000. Contact your branch office for a current rate quote.

*Penalty for early withdrawal. Rates subject to change without notice.

Individual Retirement Accounts

SFCU offers Traditional, Roth and Education IRA’s for your family’s savings and retirement needs.

An IRA savings account can be opened with a $5 deposit. Payroll deductions can be arranged for regular deposits. SFCU is ready to assist you in your retirement investment today. Contact your branch office for further information.

IRA Term Share Certificate terms* range from 18 months to 5 years and can be opened with a minimum deposit of $1,000. Existing IRA’s can be transferred to SFCU upon request. Contact your branch office for a current rate quote.

*Penalty for early withdrawal. Rates subject to change without notice.

Home Banking

Home banking is offered to our members free of charge. Members can see the history for each account and loan for up to three months back. When members view the history on the checking account, they will be able to pull up an image of any check that has cleared in the last three months. Transfer funds from savings to checking or even to a loan without leaving your own home. Remember, it's all free of charge to you.
Click here to get signed up today!!!

Along with regular Home Banking, we also offer Bill-Pay. There is a $5.50 charge per month for this part of online banking. All you have to do is set up the Payee's once then they are saved into your account. When you want to pay the bill, just log on, put the amount in, and put the date for it to come out of your account. You don't have to worry about paying for postage or even putting it in the mailbox. You can even set up payments to come out monthly by scheduling the day for the payment to come out of your account.

Audio Response

SFCU Offers Audio Response to all members. Members are able to get histories, balances, and perform transfers via phone. Audio Response is free of charge and available to every member of Shamrock Federal Credit Union. The audio response number is : (806) 935-4817
Toll Free: (866) 700-SFCU (7328)

Contact Us for questions or comments or

Charges and Fee as of June 2003

Savings Federally Insured by the NCUA, an Agency of the Federal Government.

Term Share Certificates

Send mail to sfcumss@cableone.net with questions or comments about this web site. Last modified: 02/08/06

Send mail to sfcumss@cableone.net with questions or comments about this web site.
Last modified: 02/08/06