Checking Accounts

Enjoy Free Checking from Schuylkill Federal Credit Union!

For your convenience, your credit union offers a free "Share Draft" checking account that provides members with the ability to write an unlimited number of checks from this account.

Additional services, such as and an ATM/Debit Card, Direct Deposit, Payroll Deduction and ACH transactions are also available with your Share Draft/Checking account.

Members may open a share draft account at any time after opening a share savings account. There is no minimum balance requirement to open a share draft account. The dividend rate and APY may change every dividend period and is determined by the credit union board of directors. There is no minimum balance requirement or monthly fees on this account.

Members receive their first 50 checks for their personal account at no charge. To reorder checks, please contact your credit union.

Visa ATM/Debit Cards are also available to you, providing 24/7 access to your funds. Through the CU $ network, surcharge-free ATM transactions can be conducted at 15 Schuylkill County locations, and many more locations throughout Pennsylvania. Click on the CU $ link to locate an ATM location convenient to you. Contact the office for usage limitations and applicable fees.

Your Visa Debit Card allows you to make purchases anywhere you see the Visa logo displayed. Remember - use the credit or signature option as often as possible.

Savings Accounts

Schuylkill Federal Credit Union makes the most of your Savings!

Schuylkill Federal Credit Union offers members a variety of savings accounts for different needs.

Share Account

Members are required to open and maintain a share account with an opening balance requirement of $25.00 and a one-time membership fee of $5.00.

Your dividends are compounded and credited monthly on your average daily balance of $50.00 or more.

Share Certificate

Members may open and maintain a share certificate with an opening balance requirement of $500.00. Dividends are calculated and credited monthly to your share account on your average daily balance of $500 or more.. A variety of terms are available, including a special month IRA Certificate.

Club Accounts

A Club Account is a great way to save for a special purpose. We currently offer Christmas, Vacation and Tax Club Accounts. You may open any type of Club Account at anytime during the year with no minimum balance requirement. Your dividends are compounded and credited monthly on your average daily balance of $25.00 or more.

IRA Savings Accounts

We offer traditional Individual Retirement Accounts (IRAs) as well as Roth IRA accounts.

Rules for deposits and withdrawals are subject to federal regulations. There is a $5.00 minimum balance to open this type of account, and automatic deposits are available. Your dividends are compounded and credited monthly on your average daily balance of $25.00 or more. NCUA Insures IRA accounts up to $250,000.

Truth in Savings Disclosure

Dormant/Inactive Account Policy


The events of September 11th, 2001, changed the way in which SFCU conducts business as it relates to the opening of new accounts. In order to assist the federal government and itís agencies, as well as to comply with newly created federal regulations, SFCU must now obtain, verify, record and document information that identifies each person who opens a credit union account. The purpose of this action is to assist in fighting terrorist funding and money laundering activities.

When opening a new credit union account, you will be asked your full name, address, date of birth, and other relevant information that will help the credit union identify and verify your personal identity and citizenship status. You will be asked to provide valid photograph identification, such as a Pennsylvania Driverís License. We thank you in advance in assisting us in this matter.


Need a Loan? Schuylkill Federal Credit Union can help!

Your credit union offers members a wide variety of loan programs for different needs. Current Loan Rates.

Our loan programs include:

  • Visa Credit Cards
  • New and Used Vehicle Loans
  • First Mortgages
  • Share and Share Certificate Secured Loans
  • Signature Loans

To apply for a loan, simply stop in the office for an application. You may also call or email a request for an application to be mailed to you. Automatic payment is available with any of our loan services.

To calculate your loan payment, please enter the amount you wish to borrow, the annual interest rate, and the number of payments in months. (Note: Calculated payments do not include credit life or disability insurance.) Or to calculate the principal, enter the annual interest rate, number of payments in months and the desired monthly payment.

Loan Calculator

Annual Interest Rate %
Number of Payments Months
Monthly Payment

Schuylkill Federal Credit Union has merged with Hidden River Credit Union.

You will be redirected to the Hidden River Credit Union website in: 10 second(s).