Mint Savings

Overview

Start building a nest egg

Start setting money away for a rainy day. You only need $1 to open a mint savings account, and an average daily balance of $25 to start earning dividends.

 

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Build an Emergency Fund

$25/week = $1,300+ in a year

Features & Benefits

Low-maintenance savings account

  • Free online, Mobile**, and text banking**
  • Quick access*** to your money
  • Opt to use as overdraft protection for SEFCU Really Free Checking
graph with money

 


Fees & Rates

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield* Minimum Balance to Obtain APY
$1.00 0.25% 0.25% $25.00

Fees

Item Fee New York State bank/credit union average fee^
(as of July 2018)

Overdraft Transfer from Savings

$2.50

$8.74

No activity for 12 months (activity can be as simple as depositing $1/month)

$3/month

$6.86/month

New York bank/credit union average fees are accurate as of August 2018 and are published in New York Credit Union Association’s RateWatch.


Compare

See which account is best for you

Mint Savings

  • Open with just $1
  • Earn dividends with just a $25 average daily balance

 

Preferred Savings

  • No minimum opening deposit
  • The more you save, the higher your rate

View Preferred Savings


Apply Now

Open a SEFCU Mint Savings account today

Current SEFCU member?

Open Today

Not a member?

Join SEFCU

Mint Savings

Maintain an average daily balance of $25 to earn dividends

Open with just $1

24/7 access to your money

No fees

Open Today

Get Mint

More to think about...

* Annual Percentage Yield. Rate and APY are variable and subject to change after the account is opened. APY is accurate as of today – October 14, 2019. Fees may reduce earnings.
** Message and data rates may apply.
*** Federal regulation (Regulation D) limits electronic withdrawals and transfers from a savings account to a maximum of six during any calendar month, of which only three may be by check or debit card.