Mature couple enjoy a walk outside.

Savings

SUMA is a unique member-owned not-for-profit financial institution.

Every saver is a member, and every member is an owner!

We invite you to participate fully in all the cost-saving programs your credit union has to offer, to you and to all your family members.

Your savings are federally insured for up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.

For more information about how your shares are insured, click on the following links:
Earn more when you save. A variety of savings accounts provide convenient and systematic savings and help you put aside funds for your future. No matter what your savings needs are, long or short term, you can build a portfolio that is right for you.
Each member must hold a savings account with a minimum of $50. It is dividend bearing and may be accessed via Online and Mobile Banking. There are no limitations on quantity of withdrawals and deposits. Certain restrictions may apply as to the amounts of cash withdrawals and electronic inter-institutional transfers. 
 
  • Minimum Balance: $50.00
  • Term: n/a
  • Rate Type: Variable 
  • Current Dividend APY/Rate
  • Minimum Balance Required To Earn APY: $50.00
  • Penalty Imposed For Early Withdrawal: No
Higher rate of earnings are available with Term Share Certificate of Deposit Accounts. We offer terms from 3 months to 5 years with a minimum opening balance of $1,000.00. Early withdrawal penalty applies.

  • Minimum Balance: $1,000.00
  • Term: 3 months to 5 years
  • Rate Type: Fixed*
  • Current Dividend APY/Rate
  • Minimum Balance Required To Earn APY: $1,000.00
  • Penalty Imposed For Early Withdrawal: Yes
* Rate is fixed for the period of Term Share Certificate
Higher rate of earnings are available with Money Market Accounts. The minimum opening balance is $2,500.00. Dividends are paid on amounts down to $50.00. We allow 3 withdrawals and 3 transfers per month. Money Market Minimum Balance Fee and Money Market over the limit fee (Reg D) apply. Check our fee schedule here.
 
  • Minimum Balance: $2,500.00
  • Term: n/a
  • Rate Type: Variable 
  • Current Dividend APY/Rate
  • Minimum Balance Required To Earn APY: $50.00
  • Penalty Imposed For Early Withdrawal: No
We offer regular IRAs, Roth IRAs and Coverdell Education IRAs at no fee. Minimum required deposit is $50.00.
  • Minimum Balance: $0.00
  • Term: n/a
  • Rate Type: Variable
  • Current Dividend APY/Rate
  • Minimum Balance Required To Earn APY: $50.00
  • Penalty Imposed For Early Withdrawal: Yes
Start saving money for your children. Or teach them good saving habits while they earn dividends on their deposits. Custodian* controls all transactions. Regular Share Accounts, Money Market Share Accounts, Coverdell Education IRAs, and Term Share Certificates may be opened on behalf of a minor.
 
*Custodian must be a SUMA FCU member.

If you are ready to open an additional share to your existing membership account now, click the corresponding button below.