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 $25 to start earning dividends.



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 0.05% 0.05% $25.00


Item Fee New York State bank/credit union average fee^
(as of April 2021)
Monthly Maintenance Fee $0.00 $4.52

Overdraft Transfer from Savings



No activity for 12 months



New York bank/credit union average fees are accurate as of April 2021 and are published in New York Credit Union Association’s RateWatch.


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

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Contact us

Visit a branch near you

Call 800-727-3328

Financial Education


Mint Savings

Maintain an average daily balance of $25 to earn dividends

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 – July 1, 2022. Fees may reduce earnings.
** Message and data rates may apply.