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Your Building Blocks

Savings accounts are the basic building block of your financial foundation. You’ll open one to establish your membership. Start by saving a few dollars every paycheck and setting aside money that you don’t need right away, like tax returns or any money left over after your pay your bills and other monthly expenses. A good rule of thumb is to start saving 10% of your paycheck. Savings accounts are the perfect place to keep your emergency funds, as they are easy to get to but separate from the money you use during the month. You can open individual savings accounts for special items like vacations, weddings, or holiday spending.

Open A Savings Account

Harness the Power of Automatic Savings

One easy way to grow your savings is to set up an automatic transfer from each paycheck into your savings or money market account. Since the money isn’t going into your checking account, you won’t miss it and you’ll be making steps toward securing your financial future.

Excessive Transfer Fee

This fee limits the number of certain types of withdrawals you can make from your savings and money market accounts. Currently, that limit is six withdrawals per month, unless you make them at a branch, at an ATM, by mail or messenger, or by phone where a check is mailed to your address of record. You can also make unlimited transfers to Seattle Credit Union loans.

Once you reach your withdrawal limit, you may be prevented from making further withdrawals or be assessed a fee for future withdrawals.

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Current Rates

Savings Accounts:
CDs: 2.28%-3.82% APY*
Money Markets: 0.10%-0.60% APY*
IRA CDs: 2.28%-3.82% APY*
IRA Savings: 0.20% APY *

*Annual Percentage Yield (APY) Effective as of March 15, 2023. See disclosures for tiers and complete details.

See All Rates

Deposit calculator

Use this calculator to help you plan your savings.

Compare Savings Products

Product Minimum Balance Monthly Service Fee Withdrawals Required for Memberships Ability to Write Checks Minimum Term
Savings Account None None Up to 6 per Month Yes No None
Money Market $1,000 None Up to 6 per Month No Yes None
CD $1,000 None Subject to interest penalty during term No No 6 Months

What our members say

Joshua H.

Member since Everett, WA

I love these people and the credit union itself. Been there several times over the last three years for several reasons. Always friendly folks there. They have been able to help me in ways other banks or credit unions have not.

Jess M.

They will be forever good to you no matter the circumstances you're in. Very understanding and great customer service.

Phillip B.

Member since Renton, WA

It’s the Seattle original. Real people and great rates!

Robin B.

Member since Seattle, WA

Excellent service. Love the community feel as opposed to a big bank chain.

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Por favor llame al 206.398.5594 para comunicarse con nuestros representantes que hablan Español a fin de obtener detalles o si tiene preguntas.

We make opening your account fast.

Opening your account with Seattle Credit Union could not be more simple. There are three easy ways to get started:

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By Phone

Our friendly member representatives are happy to answer any questions about our products or the opening process. Call 206.398.5500 to get started.

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When you are ready to open an account, head over to our online application. Answer a few short questions, hit submit, and you’ll usually have an answer in just a few minutes.

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In Person

Stop by any of our branches to talk with our helpful member representatives. They can help you figure out which product is right for you and get your accounts opened quickly.

On-page - Deposit Lead Capture Form

Not ready to act just yet?

Just fill out your info below and we'll contact you and help answer any questions you may have.

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