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Southbridge Credit Union
  • Personal
    • Checking Accounts
      • Kasasa Cash® Checking
      • Kasasa Cash Back® Checking
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    • Savings Accounts
      • Prime Share Savings
      • Kasasa Saver with Cash®
      • Kasasa Saver with Cash Back®
      • Regular Share Savings
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      • VPI Pet Insurance
  • Business
    • Business Checking
    • Business Loan Products
      • Business Line of Credit
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      • Fixed Rate Mortgage
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Savings Accounts

From savings accounts to certificates of deposit (also known as CDs) & individual retirement accounts (known as IRAs) to club accounts, Southbridge Credit Union helps you with options to save and invest your money. Think of us as your financial partner – we’ll work with you to create your personal financial plan. Rest assured knowing member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund, with supplemental coverage provided by Massachusetts Share Insurance Corporation (MSIC). Come into any of our convenient locations, and a friendly and knowledgeable financial services specialist will be happy to assist you!

Becoming an SCU member is easier than you think!

Become a Member
Read Full Disclosure
Prime Share Savings
Kasasa Saver with Cash®
Kasasa Saver with Cash Back®
Regular Share Savings

Prime Share Savings

Prime Share Savings

Any person, business or organization wishing to become a member of Southbridge Credit Union must live, work or operate within our sphere of operation which includes the Massachusetts counties of Worcester, Bristol, Franklin, Hampshire, Norfolk, Hampden and Middlesex. You can open a membership account today at any of our locations with as little as a $5 balance in a prime share account – this serves ‘as a share’.

Become a Member

Kasasa Saver with Cash®

Kasasa Saver with Cash

Simplify saving — add this free account to your free Kasasa® checking. When you earn rewards in your Kasasa® checking account, you can build your savings with your Kasasa Saver — that pays up to 1.00% APY* every month!

  • Must be linked to a free Kasasa Cash checking
  • 0.50% APY* on balances up to $15,000
  • 0.28% to 0.50% APY on balances over $15,000.01 depending on balance in account*
  • 0.05% APY* if qualifications are not met in Kasasa Cash
  • No minimum balance to earn rewards
  • Rewards will automatically transfer from your Kasasa Cash Checking account
  • No monthly service fee
  • Free online banking
  • Free mobile banking including mobile deposits
  • Free Debit/ATM card available with no annual fee
  • Free eStatements
  • $5 minimum deposit to open

How to Earn Your Rewards (It’s Easy!)

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too.* To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or automatic payment (ACH) transaction post and settle
  • Have at least 12 debit card transactions post and settle
  • Be enrolled in online banking and eStatements

If you don’t meet these qualifications, your accounts are still free.

Plus, you’ll earn our base rate in both Kasasa Saver and Kasasa Cash and you can get right back to earning your full rewards the very next cycle that you qualify.

Open Now
View Kasasa Checking Options

Monthly Qualification Cycles

Month Start Date* End Date* Statement Date
January 2021 12/31/2020 01/28/2021 01/31/2021
February 2021 01/29/2021 02/25/2021 02/28/2021
March 2021 02/26/2021 03/30/2021 03/31/2021
April 2021 03/31/2021 04/29/2021 04/30/2021
May 2021 04/30/2021 05/30/2021 05/31/2021
June 2021 05/31/2021 06/29/2021 06/30/2021
July 2021 06/30/2021 07/29/2021 07/31/2021
August 2021 07/30/2021 08/30/2021 08/31/2021
September 2021 08/31/2021 09/29/2021 09/30/2021
October 2021 09/30/2021 10/28/2021 10/31/2021
November 2021 10/29/2021 11/29/2021 11/30/2021
December 2021 11/30/2021 12/30/2021 12/31/2021
*APY = Annual Percentage Yield. For all Kasasa accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements during each monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 12 debit card purchases that post and settle your account; 2) have one direct deposit or automatic payment (ACH) settle your account; 3) be enrolled to receive free monthly e-statements. Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends 1 day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends 2 business days before the statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards. Kasasa Cash Reward information: (1) balances up to $10,000 receive an APY of 1.00%; the portion of balance over $10,000 receives an APY of 0.25%, resulting in a range from 0.32% to 1.00% APY on the total account balance depending on the account’s total balance. Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000. Kasasa Cash Back Reward Information: You will receive 2.00% cash back on up to $300 in debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. In addition for both Kasasa Cash and Kasasa Cash Back accounts, we will refund up to $25 in ATM fees assessed at domestic ATM’s we do not own or operate. Kasasa Saver: This is a tiered rate account and is only available to holders of a Kasasa Cash or Kasasa Cash Back Accounts. If minimum qualifications are met during the monthly qualification cycle on your Kasasa Cash or Kasasa Cash Back Account: 1) balances up to $15,000 receive an APY of 0.50%; the portion of balance over $15,000 receives an APY of 0.25%, resulting in a range from 0.28% to 0.50% APY on the total account balance depending on the accounts total balance. Lowest APY calculation is based on an assumed total account balance of $115,000. There is a limit of 2 Kasasa Saver with Cash and 2 Kasasa Saver with Cash Back per tax identification number. Kasasa accounts are only available as personal accounts. Membership to Southbridge Credit Union requires a one-time dividend-earning deposit of $5 in a prime savings account. Federally insured by NCUA. Member MSIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver with Cash Back®

Kasasa Saver with Cash Back

Simplify saving — add this free account to your free Kasasa Cash Back® checking. When you earn rewards in your Kasasa® checking account, you can build your savings with your Kasasa Saver — that pays up to 1.00% APY* every month!

  • Must be linked to a free Kasasa Cash checking
  • 0.50% APY* on balances up to $15,000
  • 0.28% to 0.50% APY on balances over $15,000.01 depending on balance in account*
  • 0.05% APY* if qualifications are not met in Kasasa Cash
  • No minimum balance to earn rewards
  • Rewards earned in your Kasasa Cash Back Checking account will automatically post to your Kasasa Saver account
  • No monthly service fee
  • Free online banking
  • Free mobile banking including mobile deposits
  • Free Debit/ATM card available with no annual fee
  • Free eStatements
  • $5 minimum deposit to open

How to Earn Your Rewards (It’s Easy!)

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too.* To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or automatic payment (ACH) transaction post and settle
  • Have at least 12 debit card transactions post and settle
  • Be enrolled in online banking and eStatements

If you don’t meet these qualifications, your accounts are still free.

Plus, you’ll earn our base rate in both Kasasa Saver and Kasasa Cash and you can get right back to earning your full rewards the very next cycle that you qualify.

Open Now
View Kasasa Checking Options

Monthly Qualification Cycles

Month Start Date* End Date* Statement Date
January 2021 12/31/2020 01/28/2021 01/31/2021
February 2021 01/29/2021 02/25/2021 02/28/2021
March 2021 02/26/2021 03/30/2021 03/31/2021
April 2021 03/31/2021 04/29/2021 04/30/2021
May 2021 04/30/2021 05/30/2021 05/31/2021
June 2021 05/31/2021 06/29/2021 06/30/2021
July 2021 06/30/2021 07/29/2021 07/31/2021
August 2021 07/30/2021 08/30/2021 08/31/2021
September 2021 08/31/2021 09/29/2021 09/30/2021
October 2021 09/30/2021 10/28/2021 10/31/2021
November 2021 10/29/2021 11/29/2021 11/30/2021
December 2021 11/30/2021 12/30/2021 12/31/2021
*APY = Annual Percentage Yield. For all Kasasa accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements during each monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 12 debit card purchases that post and settle your account; 2) have one direct deposit or automatic payment (ACH) settle your account; 3) be enrolled to receive free monthly e-statements. Monthly Qualification Cycles begin one (1) business day prior to the first day of the current statement cycle. When the last day of the month falls on a business day, the qualification period ends 1 day before statement cycle end date. When the last day of the month falls on a weekend, the qualification period ends 2 business days before the statement cycle end date. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. Transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account’s rewards and thus will be deemed inappropriate transactions and will not count toward earning the account’s rewards. Kasasa Cash Reward information: (1) balances up to $10,000 receive an APY of 1.00%; the portion of balance over $10,000 receives an APY of 0.25%, resulting in a range from 0.32% to 1.00% APY on the total account balance depending on the account’s total balance. Minimum qualification requirements must be met during each monthly qualification cycle in order to obtain APY. Lowest APY calculation is based on an assumed total account balance of $115,000. Kasasa Cash Back Reward Information: You will receive 2.00% cash back on up to $300 in debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle. In addition for both Kasasa Cash and Kasasa Cash Back accounts, we will refund up to $25 in ATM fees assessed at domestic ATM’s we do not own or operate. Kasasa Saver: This is a tiered rate account and is only available to holders of a Kasasa Cash or Kasasa Cash Back Accounts. If minimum qualifications are met during the monthly qualification cycle on your Kasasa Cash or Kasasa Cash Back Account: 1) balances up to $15,000 receive an APY of 0.50%; the portion of balance over $15,000 receives an APY of 0.25%, resulting in a range from 0.28% to 0.50% APY on the total account balance depending on the accounts total balance. Lowest APY calculation is based on an assumed total account balance of $115,000. There is a limit of 2 Kasasa Saver with Cash and 2 Kasasa Saver with Cash Back per tax identification number. Kasasa accounts are only available as personal accounts. Membership to Southbridge Credit Union requires a one-time dividend-earning deposit of $5 in a prime savings account. Federally insured by NCUA. Member MSIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Regular Share Savings

Regular Share Savings

Talk with us about savings accounts at Southbridge Credit Union. We want to help you with options to save and invest your money. Think of us as your financial partner – we’ll work with you to create your personal financial plan.

National Credit Union Share Insurance Fund & Massachusetts Share Insurance Corporation (MSIC)

Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund, with supplemental coverage provided by MSIC.

View & Print Rates

Minimum Balance Requirements

The minimum balance required to open this account is $5.00.

Become a Member
Read Full Disclosure

Explore Our Savings Accounts

  • Prime Share Savings
  • Kasasa Saver with Cash®
  • Kasasa Saver with Cash Back®
  • Regular Share Savings

More Ways to Save Your Money

  • Money Market
  • CDs & IRAs
  • Club Accounts
Become a Member
Questions? Call Us at
888-599-2265

“The level of service I recently received from Jordan Hoy at Southbridge Credit Union was truly above and beyond any banking service I have ever experienced. To have someone go the extra mile on my behalf has given me confidence to expect nothing but the best from Jordan and the credit union in general.”

Chris LaBonteSCU Member

“Since becoming a member of SCU, I have expanded my perspective on small financial institutions, and I will never go back. The friendliness of the staff and the warm community feeling has been wonderfully apparent. I was most impressed recently when my husband and I went through the process of buying our first home. Every step was handled professionally and with friendly, prompt service by Lisa Gatzke and her team. Add to that the fact that no other bank could beat the rates and give us the special accommodations we needed, and it was obvious who we wanted to work with! Thank you Southbridge Credit Union for making our first home-buying experience easy, pleasant, and smooth!”

Michelle AndersonSCU Member

“When you are part of Southbridge Credit Union, you have access to world class benefits – low rates, exceptional service (I cannot stress this enough) and the products and services you deserve as a member. Here, you can expect access to your money the way you want and when you want it. So whether it’s online, on your mobile device, in person, or at an ATM, they have what you need. After being a member for over 40 years, I still feel the personalization of a small bank to where it has grown to today.”

Robert L. PoirierSCU Member

“Angie was very helpful and professional when I applied for a first mortgage and later, for a home equity loan. I had a great experience on both occasions, and she was very efficient processing all the associated paperwork. I would highly recommend her to anyone looking for a friendly helpful professional to assist with any lending needs.”

Bob CournoyerSCU Member

“I have been a customer of Southbridge Credit Union for the past seven years. After shopping for a mortgage online (Quicken, Lending Tree, etc.) I then looked at local lending institutions. What I discovered was SCU had the lowest rates of all. In addition to my mortgage, I now have a home equity line of credit and two auto loans. SCU’s rates are competitive and the bank personnel are always pleasant and willing to help to meet the needs of the customer. The customer service is second to none at SCU and I will continue to do business with them in the future.”

Chris HavenSCU Member

Southbridge Credit Union

Main Branch

179 Main Street
Southbridge, MA 01550
888-599-2265
info@sbgecu.org
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NCUA MSIC Equal Housing Opportunity
NMLS #616673

Routing #211385705

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