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Dupont Community Credit Union
Dupont Community Credit Union

Deposit Accounts

All SCCU Deposit Accounts are Insured up to $250,000 by NCUA

New to SCCU? 

We're glad to have you! If you're thinking about opening an account with us, check to see if you are eligible for membership. The Prime Share, below, is your membership account. It requires a minimum deposit and balance of $25. After that, you can open as many other accounts as you like (some accounts have restrictions; ask a teller for details). Feel free to explore the accounts we offer below!

See Deposit Rates

Special Certificates

This year, SCCU is offering two short-term, high-rate Certificates:

  • 9 Month Certificate
  • 15 Month Certificate

These are a fantastic way to maximize your earnings while keeping your money safe and secure. Both of these Special Certificates require a $10,000 minimum balance. Click on Share Certificate Accounts below to learn more about certificates, or see our Special Certificate rates here.

Prime Share Account

With a $25 deposit, the Prime Share account establishes membership with Scenic Community CU. There is no service charge for this share/savings account and your balance earns a competitive dividend rate. The minimum balance requirement for the Prime Share account is $25.

Share Draft/Checking Account

Enjoy the benefits of a share draft/checking account!

  • FREE Online Services Click Here to start the enrollment process
  • FREE bill pay transactions
  • FREE Visa Debit card
  • FREE ATM withdrawals at all Scenic Community CU locations
  • FREE ATM withdrawals at thousands of CO-OP ATMs nationwide www.co-opfs.org
  • 12 FREE Starter Checks with a $25 deposit to a new Share Draft account
  • DIVIDENDS paid monthly
  • NO monthly service charge
  • NO minimum balance requirement
  • NO LIMIT on number of checks written
  • COURTESY PAY with Direct Deposit of $300 monthly
  • PREAPPROVED Overdraft Protection Loans available upon qualification

Money Manager Account

The Scenic Community CU Money Manager account offers the benefit of a higher dividend rate without locking your money in for a set time. The minimum balance requirement is $2,500. Three checks may be written per month, minimum $500 per check. There is no service charge. Please see our "Rates" page for current rate information.

Special Savings Account

The Special Savings account pays the same dividend rate as you receive on your Prime Share account, but there is no minimum balance requirement. The Special Savings account is a good way to keep a "rainy day" fund, save for a vacation, taxes, insurance, etc. There is no limit on the number of withdrawals that can be made from this account. Use payroll deduction  - and watch your savings grow even more!

Christmas Club Account

Use the Christmas Club account to keep your budget on track during the holidays! This account works just like the Special Savings - no minimum balance and no limit on withdrawals. The Christmas Club earns the same dividends as the Prime Share account.

Share Certificate Accounts

Share Certificates are perfect for members who want to maximize their earnings by investing for a determined period of time - from 3 months to 3 years. Our Share Certificates offer high yield returns and total security. For accounts less than two years, the minimum deposit and balance is  $2,500. For accounts of two years or more, the minimum deposit and balance is $500.  See our Share Certificate rates here.

SCCU is also offering two short-term, high-yield certificates:

  • 9-Month Certificate
  • 15-Month Certificate

Both of these certificates require a minimum deposit and balance of $10,000. See our Share Certificate Rates here.

IRAs (Individual Retirement Accounts)

Whether you are starting to save for retirement, receiving a pension plan payout, planning to retire soon, or saving for a child's higher education, a Scenic Community CU IRA can help you reach your goals. Scenic Community CU offers three types of IRAs:

  1. Traditional IRA
  2. Roth IRA
  3. Coverdall Education IRA

The above IRA accounts can be invested in one of the following types:

Accumulative

  • Requires initial deposit of $25
  • Additional deposits may be made at any time
  • Variable dividend rate
  • No maturity date

IRA Share Certificate Account

  • Conditions are the same as with regular Share Certificate Accounts

Tax Information Notice for your IRA

  • The IRA Fair Market Value is the total of all of your IRA accounts with 

Consult with your tax advisor if unsure whether you qualify for an IRA.