Accounts

Sno Falls Credit Union offers a wide range of account options tailored specifically to your needs. With everything from personal checking accounts to money markets, you’re sure to find exactly what you’re looking for!


Rewards Checking View Rates

Earn 2.60% APY on balances up to $6,000

Sign up for a Sno Falls checking account today and take advantage of these fantastic benefits.

  • No minimum balance requirements
  • Free Visa debit card
  • Free ATM access at over 85,000 surcharge-free locations nationwide  (Find an ATM near you)
  • Free direct deposits
  • Free online banking and bill pay
  • Free monthly paperless eStatements
  • Free ShopSPOT rewards program
  • Identity Theft Detection and Recovery Services –  Learn more
  • Federally Insured by NCUA – insured up to $250,000

It’s easy to earn these exceptional benefits each month with these simple requirements**

  • Use your SFCU debit card for a minimum of 15 transactions per statement cycle (transactions must post and clear during each statement cycle)
  • Have at least one automated payment or direct deposit post and clear
  • Enroll in free eStatements
  • Log in to free Online Banking

Apply for membership or visit one of our 3 convenient locations to open your Sno Falls checking account today!

 


SavingsView Rates

Membership Savings

Save for any reason.

  • Get started with a $25 minimum opening deposit
  • Earn dividends on your entire balance
  • No monthly fees

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Swipe & Save

  • Earn 3.01% APY* on balances up to $2500 and 0.03% APY* on balances over $2500
  • Automatically save with every debit card purchase
  • Debit card transactions will be rounded up to the nearest dollar
  • Difference is transferred from your checking account to the designated savings account

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Savings Plus (Money Market)

Sweet freedom and higher rates.

Our Money Market account is all about flexibility and competitive rates. It doesn’t have a minimum balance fee and you earn better rates. Plus, there’s more for you.

  • Open with as little as $2500
  • Earn interest on every cent in the account
  • Make up to 6 withdrawals per month

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Youth Account

Start the savings habit.

  • Just right for students (age 11-17)
  • No fees to worry about
  • Only a $5 minimum opening deposit
  • Earn dividends on all your savings

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Kid’s Account

Learn while you earn.

  • Ages 10 and under
  • Start with a $5 deposit (minimum balance)
  • Get a quarterly newsletter and a birthday surprise
  • No monthly fees
  • Earn dividends on all balances

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UTTMA (Uniform Transfer to Minors Act)

Plan Today for Your Child’s Future.

A Uniform Transfer to Minors Act (UTMA) account is a convenient, uncomplicated way to make gifts and transfer money to a minor.

How a Custodial Account Works

Although the account is maintained in the name of the minor, you, as the custodian, control the account and oversee all activity on the account until the minor reaches age 21, generally, unless law dictates otherwise (contact your professional advisor), at which time the child has the right to the remaining funds. On the child’s behalf, the custodian makes the decisions about how the money is invested, and when and how to spend it.


Certificates of Deposit (CDs)View Rates

More ways to earn and flexible terms.

Earn dividends with terms from 6 to 60 months. Begin with a minimum $1,000 deposit. And then receive monthly compounded dividends.

  • 6 to 60 month terms
  • $1,000 minimum balance requirement
  • Deposits are federally insured up to $250,000 by the NCUA

Individual Retirement Accounts (IRAs)View Rates

Traditional IRA

Defer taxes until you start to withdraw your money at retirement. All or part of your contributions may be tax-deductible.

  • Earnings grow tax-deferred
  • Contributions may be tax-deferred (consult your tax advisor)

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Roth IRA

Make after-tax contributions and you may be able to withdraw your earnings tax-free at retirement.

  • Earnings grow tax-free
  • Qualified withdrawals are free from federal income tax
  • Withdraw most contributions at anytime

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Coverdell ESA (Education Savings Account)

Save for Your Child’s Future.

The Coverdell Education Savings Account (ESA) is a custodial account designed to help families save money to pay for a child’s education expenses from kindergarten through college.

Contributions and earnings are tax- and penalty-free, if used for qualified education expenses, which include:

  • Tuition and fees
  • Books and supplies
  • Computer equipment to be used for education
  • Transportation
  • Room and board—only in some cases

SERVICES

Take advantage of all of our onlines services.  We are committed to providing the best possible member service, both in person and electronically.


Online Banking

Sno Falls offers cutting edge technology online, giving members fast, accurate, and secure access to accounts, online applications, eStatements, and much more.

Sno Falls Credit Union members have access to free Online Banking backed by the latest in online technology. As technology advances, so do our online products. We never stop looking for opportunities to provide our members with new, convenient options for managing your financial resources.

Online Banking at Sno Falls provides members the opportunity to manage accounts from anywhere in the world via the internet.

For instance, you can:

  • Check balances
  • Transfer funds
  • Make loan payments
  • Pay bills
  • View previous eStatements
  • Organize and view account history
  • Setup Mobile Alerts to receive account alerts directly in your email or on your phone

Mobile Banking

Take us with you wherever you go.

With the Sno Falls Mobile Banking app, you have the power of your credit union in the palm of your hand, wherever you are.

  • Available on iOS, Android and Windows Mobile devices
  • View account balances and history
  • Make mobile check deposits
  • Transfers between accounts
  • Make loan payments
  • Access to Online Bill Pay
  • Find over 85,000 surcharge free ATMs near you

Deposit checks anywhere, anytime.

With Mobile Deposit from Sno Falls, you can deposit checks right from your compatible mobile device.

Download our new iOS AppAndroid App or Windows Mobile App  today!


Bill Pay

Paying your bills has never been easier.

Save the time and hassle of getting your bills together, figuring out who to pay when, writing the checks, getting stamps, and dropping them off at the post office. Bill Pay is your secure, one-stop, hassle-free way to pay your bills.

Bill Pay gives you the ability to:

  • Pay anyone, anytime, anywhere
  • Categorize your payments and keep a payment history
  • Receive your monthly bills electronically and automatically pay them
  • Make multiple payments all at once
  • Pay bills the same day for those emergency situations
  • Use the online calendar tool for scheduling payments
  • Set bill reminders so you never miss a payment

Enrolling is as Easy as 1-2-3

  1. Log in to Online Banking
  2. Click “Pay Bills” on the left hand menu
  3. Fill out a short enrollment form and accept the Terms and Conditions

That’s it! Welcome to effortless Bill Pay.


eStatements

Protect Yourself and Save Time and the Environment

When you enroll in eStatements, you’ll receive your monthly account statement online securely, often up to five days sooner than getting a standard printed statement by mail. Plus, you can feel good knowing that you’re doing the right thing for the environment and for our credit union.

Enroll today and help us save trees, money and your personal identity.

To enroll, just:

  • Log in to Online Banking
  • Click “Statements”
  • Select “I prefer eStatements” (and/or other options) and click “Change”
  • If your e-mail address is not on file, we’ll ask you for it
  • Simply read and accept the eStatements agreement
  • You’re enrolled! A new window will appear to view your statements currently on file.
All Washington state residents are eligible to join.

Routing Number: 325182360 | Copyright © 2017 Sno Falls Credit Union. All rights reserved.

Equal Housing Opportunity Federally Insured by NCUA