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 | 0.25% | 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 |
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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.
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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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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
More to think about...
Share Certificate
Grow Your Savings
Open with just $500
Terms from three months to five years
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
* Annual Percentage Yield. Rate and APY are variable and subject to change after the account is opened. APY is accurate as of today – December 10, 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.
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