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Share Savings Accounts

Regular & Special Savings:

  • $25.00 minimum opening deposit

  • Must maintain $25.00 balance to continue membership*

  • $100.00 average daily balance to earn dividends

  • One free withdrawal through teller window per month/each additional withdrawal $1.00
    *$25.00 balance not required for special savings

 
 
 

TUTMA Savings:

  • Texas Uniform Transfer to Minors Act (TUTMA)

  • $25.00 minimum opening deposit

  • Must maintain $25.00 balance to continue membership

  • $100.00 average daily balance to earn dividends

  • One free withdrawal through teller window per month/each additional withdrawal $1.00

  • Only one custodian and one child are allowed per account

 
 
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Share Draft Checking

Regular & Special Checking:

  • $100.00 minimum opening deposit

  • $400.00 average daily balance to earn dividends

  • $400.00 daily balance to avoid Share Draft Minimum Balance Fee of $6.00

  • Courtesy Pay of $750.00 after account has been opened for 60 days

  • Unlimited check writing

  • VISA debit card with approved application

 
 
 

Convenience Checking:

  • $100.00 minimum opening deposit

  • No dividends earned

  • No Share Draft Minimum Balance Fee

  • Courtesy Pay of $500.00 after account has been opened for 60 days

  • Unlimited check writing

  • First order of checks free (limit one box)

  • VISA debit card with approved application

 
 
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Student Checking:

  • $25.00 minimum opening deposit

  • No dividends earned

  • No Share Draft Minimum Balance Fee

  • No Courtesy Pay

  • Unlimited check writing

  • First order of checks free (limit one box)

  • VISA debit card with approved application

 
 
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Money Manager Account

  • $500.00 minimum opening deposit

  • $500.00 daily balance to earn dividends*
    *dividends calculated on a tiered rate

 
 

IRAs

  • $250.00 minimum opening deposit

  • $250.00 average daily balance to earn dividends

 
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Share Certificates (CDs)

  • $1,000.00 minimum to open

  • Several terms available

  • You must maintain the principal amount of your certificate to earn the disclosed dividend rate

  • Early withdrawal penalties may apply

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HOW TO FUND YOUR NEW ACCOUNT

After you have received your welcome letter, which will include your new membership account number, you are ready to fund your account. You have a few options to do so:

  • Visit the branch to deposit cash or check with a teller

  • Transfer funds from an existing SWECU account

  • Use Remote Deposit in your mobile banking app to take a picture of a check or money order

  • Use Account-to-Account (A2A) transfer in your online banking or mobile banking app to transfer funds from another financial institution (check with account specialist for access to this option)

  • Direct Deposit from your payroll or other direct deposit