OverviewStart building a nest eggStart 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 & BenefitsLow-maintenance savings account
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Fees & Rates
Current Rates
| Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY |
|---|---|---|---|
| $1.00 | 0.05% | 0.05% | $25.00 |
Fees
| Item | Fee | New York State bank/credit union average fee^ (as of April 2021) |
|---|---|---|
| Monthly Maintenance Fee | $0.00 | $4.52 |
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Overdraft Transfer from Savings |
$2.50 |
$7.39 |
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No activity for 12 months |
$3/month |
$7.80/month |
^ New York bank/credit union average fees are accurate as of April 2021 and are published in New York Credit Union Association’s RateWatch.
Compare
See which account is best for you
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Mint Savings
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Preferred Savings
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Apply Now
Open a SEFCU Mint Savings account today
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Mint Savings
Maintain an average daily balance of $25 to earn dividends
Open with just $1
24/7 access to your money
No fees
More to think about...
ClickSWITCH
ClickSWITCH
Switch to SEFCU
Switch Direct Deposit and automatic payments
Safe & Hassle Free
IRA Share Certificate
Fund Your Retirement
Consult your tax advisor
Grow your money faster than traditional savings
Smart Sense Savings Account
Help Your Kids Save
No fees
Earns a dividend with $25 minimum balance