SERVICES & PROMOTIONS

Sears Spokane Employees Federal Credit Union offers a  wide range of checking and savings products. Our fees are often much lower and our dividends higher than other institutions. If you have questions about any of our services or seek professional advice regarding your finances, please call, e-mail, or stop by our office for personal assistance.

Checking Accounts

Our free checking account  is affordable, convenient, and offers the following benefits:

  • No monthly service fees.
  • No minimum monthly balance requirement.
  • Unlimited check writing (no per-check fees).
  • Monthly statements.
  • Personal check orders providing a wide variety of duplicate checks.
  • Quick and easy purchases with your Visa check/debit card.
  • Available overdraft protection.
  • Automatic payroll deposits.

**Note: 

Due to an increase in the DEBIT CARD FRAUD TRANSACTIONS, Sears Spokane EFCU must temporarily restrict all Debit Card Transactions to a limit of $500.00 per day.

THIS ALSO INCLUDES ALL TRANSACTIONS OUTSIDE THE UNITED STATES.

IF YOU PLAN TO TRAVEL OR MAKE A PURCHASE IN AN AMOUNT LARGER THAN $500.00, PLEASE CONTACT THE CREDIT UNION IN ADVANCE. WE APOLOGIZE FOR ANY INCONVENIENCE.

Savings Accounts

Our savings accounts offer safety and security for your money at no cost to you. Maintaining a balance in your savings account is an important part of good financial planning and can result in outstanding dividends.

Share Certificates

Share certificates are also an excellent way to maximize the return on your savings in an insured account. Rates and terms on these certificates change frequently; please refer to the Rates portion of the website for the latest rates and specials.

Individual Retirement Accounts (IRA)

An IRA is one of the most fiscally responsible ways to save for retirement. Earnings on traditional IRAs are not taxed until funds are withdrawn from the account, postponing your tax liability. Contributions may even be tax-deductible; please consult your tax advisor for details. Rates and terms on these certificates change frequently; please refer to the Rates portion of the website for the latest rates and specials.

Cash Withdrawal Limit

In fairness to all members and to maintain sound cash management practices, the maximum cash withdrawal a member may make without notifying the  credit union in advance shall be $1,000. Please be assured every effort will be made to accommodate member requests in a timely manner; however, it may take up to five business days to fill cash requests exceeding this amount.

Please note: Other fees, such as insufficient funds and stop pay requests may apply to all checking accounts.

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If you have not set up online banking, please contact the credit union.

IMPORTANT DATES
January 1st
New Years Day - Closed
December 31st
New Years Eve - Hours 10am - 2pm
December 25th
Christmas Day - Closed
December 24th
Christmas Eve - Hours 10am - 2pm
November 26th
Thanksgiving Day - Closed