Mint Savings


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 $.01 to start earning dividends.



Build an Emergency Fund

$25/week = $1,300+ average 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 Average Daily Balance to Obtain APY
$0.01 0.15% 0.15% $0.01


Item SEFCU Fee New York State Bank/Credit Union average fee***
(as of July 2018)

Overdraft Transfer from Savings



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


See which account is best for you

Mint Savings

  • Open with just $1


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

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Contact us

Visit a branch near you

Call 800-727-3328

Financial Education


Mint Savings

Save for a rainy day

Open with just $1

24/7 access to your money

No fees


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 – February 6, 2023. Fees may reduce earnings.
** Message and data rates may apply.