Savings

Basic Savings

Start earning more on savings

1.00%

Annual Percentage Yield
On balances above $200

Key Features

  • Establish your SFCU Membership

  • $5 minimum to open

  • $200 minimum to earn dividends

  • Available online

Share Certificates

Terms for 6 months to 5 years

4.89%

Annual Percentage Yield
12 Month Term with Balance over $10,000

Key Features

  • Invest as little as $500

  • Different terms available
  • High APY for a great return

  • At any time, choose to renew or close at maturity

  • Available in branches, by phone, and online

Money Market Accounts

Establish SFCU Membership

Up to 3.30%

Annual Percentage Yield
On balances over $50,000

Key Features

  • High Returns

  • Rates based on balance

  • $2,500 minimum to open

  • Dividends paid/compounded weekly

Iras

Multiple IRAs available

1.00%

Annual Percentage Yield
On balances above $200

Key Features

  • Qualified withdrawals tax-free

  • No limits for contributions (as long as you are working)

  • Can still contribute even if you have a company pension

  • See SFCU for more information

Basic Savings

  • Share Accounts are the Credit Union's primary savings accounts. Deposits can be made in person, by mail, by direct deposit or by payroll deduction. Withdrawals are permitted anytime. 

  • All Stark Federal members must maintain a Share Account with a $5.00 minimum balance.

  • Both Single and Joint accounts are available.

  • Two types of secondary share accounts are available in addition to your original savings account:

    • Christmas Account - Use this account to save for your holiday shopping. You may open a Christmas account. Funds are distributed each year in early October. 

    • Vacation Savings Account - Money is the last thing you want to worry about when you take a vacation. Plan ahead and put a little away every paycheck...plus earn dividends for balances over $200.

Money Market Accounts

  • Earn the highest returns on your savings without tying up your money in a CD.

  • The minimum balance for a Money Market Account is $2,500 with additional tiers at $10,000, $25,000 and $50,000.

  • Receive a preferred dividend (interest) rate based upon your account balance. Your preferred rate will always be higher than our stated Share Account rate.

  • Unlike other investments, your principal is federally insured for up to $250,000. This means that there is no risk of losing part of your principal if market conditions sour.

Individual Retirement Accounts (IRAs)

  • Roth IRAs - Working people can now contribute up to $7,000 per year of their earned income, or up to $8,000 for those age 50 and older. Withdrawals are never required but qualified withdrawals on accounts held at least five years will be tax-free – both principal and interest. 

  • Traditional IRAs - Contributions into the plan may be tax-deductible and the earnings grow tax-deferred until retirement. In addition, you will have until April 1 of the year following the year you turn 72 to begin taking your first required minimum distribution.

  • Coverdell Education Savings Accounts - Parents, grandparents and others can contribute $2,000 per beneficiary into an Education Savings Account (ESA) to help meet the rising costs of a student's education. The earnings grow tax-free and can now be used to pay qualified elementary school and secondary school expenses as well as those for higher education.

Share Certificates

  • Earn a guaranteed high yield with this safe, secure investment option.

  • Terms range from 90 days to 5 years for amounts under $10,000 to fit your savings strategy.

  • Jumbo Certificates of more than $10,000 can be purchased in 1, 2 or 5 year increments.

Other Benefits

  • Direct Deposit - Simply send payments you normally receive by check directly to us, where they are automatically deposited into an account of your choice. It means convenience, safety, and added dividends for you.

  • Payroll Deduction - Available to any member whose company participates with Stark Federal Credit Union in the payroll deduction plan. You decide what amount you should save each payday and how it should be distributed among your other accounts or even deposited into accounts for your spouse and children. Money can also be designated for your Credit Union loan payments.

  • Centsible Savings - Centsible Savings rounds up your debit card transactions to the nearest dollar, effortlessly growing your savings account. Now, everyday purchases become the stepping stones to a brighter financial future!

Disclosures

Basic Savings, Sub Share, IRA Share, and Christmas Club Accounts
* APY=Annual Percentage Yield. APY may be lower than rate depending on the average daily balance in the account for the dividend period. Fees may reduce earnings. Rate subject to change. A member will lose dividends if the account is closed before accrued dividends are credited. Minimum balance of $200 is required to earn dividends. Federally insured by the National Credit Union Administration. Dividends are paid quarterly. The dividend rate and annual percentage yield may change quarterly as determined by the Credit Union's Board of Directors. Call for current rates and information. Rates effective 01/01/2024.

IRA Certificates
*APY = Annual Percentage Yield. All rates are subject to change. Early withdrawal penalties apply if share certificate is closed before the end of maturity period. Minimum of $500 is required for other Growth Share Certificates and a minimum of $10,000 is required for Jumbo Share Certificates. Rates effective 06/10/24.

Share Certificates
APY = Annual Percentage Yield. All rates are subject to change. Early withdrawal penalties apply if share certificate is closed before the end of maturity period. * Minimum of $5,000 is required for all 90 Day certificates. Minimum of $500 is required for other Growth Share Certificates and a minimum of $10,000 is required for Jumbo Share Certificates. Rates effective 06/10/24.

Money Market
All rates are subject to change. There is a limit of three withdrawals per calendar month. Rates effective 06/10/2024
Money Market accounts are tiered rate accounts. For tiered accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.

Stark Federal Credit Union
NCUA

Dressler Branch
4100 Dressler Rd. NW
Canton, OH 44718
Office: 330.493.8325
Fax: 330.493.8328

Loan Dept.: 330.493.7602
Loan Dept. Fax: 330.493.1619

Mon. - Fri.
9:00 a.m. - 5:30 p.m.
Sat. 9:00 a.m. - Noon
(Drive-up only)

Cleveland Ave. Branch
3426 Cleveland Ave. NW
Canton, OH 44709
Office: 330.493.8326
Fax: 330.493.8941

Mon. - Fri.
9:00 a.m. - 5:30 p.m.
Sat. 9:00 a.m. - Noon

Alliance Branch
1281 S. Sawburg Ave.
Alliance, OH 44601
Office: 330.821.7225
Fax: 330.821.2004

Mon. - Fri.
9:00 a.m. - 5:30 p.m.
Sat. 9:00 a.m. - Noon

Minerva Area Federal CU Shared Branch
(Cash and deposits only)
3570 Union Ave. SE
Minerva, OH 44657

Mon., Tues, Thurs.
9:00 a.m. - 5:00 p.m.
Wed. 9:00 a.m. - 1:00 p.m.
Fri. 9:00 a.m. - 5:00 p.m.

Routing Number
241274598

Copyright © 2023
Stark Federal Credit Union
All rights reserved.

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