Sascu Credit Union — Banking That Puts Members First
Sascu delivers personal checking, high-yield savings, competitive mortgage lending, and comprehensive business banking to members across the United States. With secure online account access and a full digital banking suite, Sascu credit union members manage their finances from anywhere.
Sascu credit union traces its roots to a group of educators who pooled resources in 1954 to create a member-owned financial cooperative. What started as a single-location credit union serving school district employees has grown into a full-service Sascu banking institution with national reach, serving over 85,000 members. Unlike traditional banks that answer to shareholders, Sascu returns profits to members through better rates on savings accounts, lower fees on checking products, and more flexible lending terms on mortgages and auto loans.
Membership at Sascu is open to individuals who live, work, worship, or attend school in the communities Sascu serves, as well as family members of existing Sascu members. Sascu credit union membership means you are not a customer — you are an owner with a say in how the institution operates. Each Sascu member receives one vote in board elections regardless of account balance.
Sascu Login — Access Your Account Open a Sascu AccountFederally Regulated & Member-Protected
- NCUA Share Insurance up to $250,000 per account
- Federally chartered credit union — NCUA Regulated
- Equal Housing Lender — NMLS #1165892
- Community Reinvestment Act compliant
- Annual independent audit by certified public accountants
- Bank Secrecy Act and anti-money laundering compliant
- Member of the Federal Home Loan Bank system
- Privacy and data protection governed by CFPB Regulations
Sascu Personal Banking
Personal accounts at Sascu combine low fees with high convenience — free checking, competitive savings dividends, and straightforward lending for life's major milestones.
Sascu personal checking accounts come with no monthly maintenance fee, no minimum balance requirement, and free online bill pay through the Sascu online banking portal. Every Sascu checking member receives a Sascu Visa debit card with zero liability fraud protection and access to over 30,000 surcharge-free ATMs nationwide through the CO-OP network. Sascu also offers interest-bearing checking for members who maintain higher balances, earning dividends that rival many savings accounts at traditional banks.
Sascu savings accounts feature tiered dividend rates that reward consistent savers. The Sascu high-yield savings product compounds dividends daily and credits them monthly, with no cap on earnings. Sascu members can open additional savings sub-accounts — labeled for specific goals like vacation funds, home down payments, or education expenses — all from a single Sascu online banking dashboard.
When it comes to lending, Sascu mortgage specialists guide members through every step of home financing. Sascu offers conventional, FHA, VA, and USDA loans with terms spanning 10 to 30 years. Sascu mortgage rates are consistently below national bank averages, reflecting the credit union structure that prioritizes member value. Sascu auto loans cover new and used vehicles, including private-party purchases and refinances from other lenders.
Checking
No monthly fees. Free debit card. Online and mobile access included with every Sascu checking account.
Savings
Competitive dividend rates. Goal-based sub-accounts. Federally insured Sascu savings with daily compounding.
Mortgages
Purchase and refinance loans. Sascu mortgage rates below the national average. Terms from 10 to 30 years.
Sascu Business Banking
Sascu serves small businesses, professional practices, and nonprofit organizations with checking accounts, lending programs, and merchant payment processing.
Sascu business checking accounts scale with your enterprise. The Sascu Business Basic account suits sole proprietors and startups with up to 150 free monthly transactions. Growing companies benefit from Sascu Business Plus, which includes 500 free transactions, wire transfer capabilities, and multi-user Sascu online banking access with role-based permissions. Sascu also offers analyzed business checking for organizations that maintain higher balances, offsetting service charges through earnings credits.
Business lending at Sascu covers the full spectrum. Sascu SBA loans — including 7(a) and 504 programs — provide government-guaranteed financing for working capital, equipment purchases, and commercial real estate acquisition with favorable terms. Sascu commercial real estate loans finance owner-occupied properties, investment properties, and construction projects with competitive fixed and variable rates. Sascu business lines of credit provide revolving access to funds for seasonal cash flow management and unexpected opportunities.
Sascu merchant services integrate seamlessly with the Sascu business checking account. Point-of-sale terminals, online payment gateways, and mobile card readers all deposit directly into your Sascu business account with next-day settlement. Sascu business credit cards offer rewards on categories like office supplies, fuel, and telecommunications, with no annual fee for primary cardholders.
Business Checking
Scalable Sascu business accounts from startup to enterprise. Multi-user access and integrated merchant services.
SBA Loans
Sascu SBA 7(a) and 504 loans with government-backed terms. Working capital, equipment, and real estate financing.
Merchant Services
Point-of-sale, online payments, and mobile processing with next-day deposit into your Sascu business account.
Sascu Digital Banking
Sascu online and mobile banking put full account management at your fingertips — check balances, transfer funds, pay bills, deposit checks, and manage alerts from any device.
The Sascu online banking platform provides a unified dashboard for all your Sascu accounts. View real-time balances across checking, savings, loans, and credit cards in one place. Transfer funds between Sascu accounts instantly or send money to external accounts via ACH. Sascu bill pay lets you schedule one-time or recurring payments to any U.S. address or payee, with confirmation tracking for every transaction.
Sascu mobile banking brings the same functionality to iOS and Android devices with additional mobile-only features. Remote deposit lets you photograph a check and submit it for deposit without visiting a branch. Sascu account alerts notify you by text, email, or push notification when transactions exceed thresholds you set, when balances dip below a minimum, or when scheduled deposits post. The Sascu card control feature lets you lock and unlock your Sascu debit card instantly from the app if it is misplaced.
Security underpins every Sascu digital banking feature. Multi-factor authentication verifies your identity at login. End-to-end 256-bit encryption protects data in transit. Sascu fraud monitoring runs continuously, flagging unusual transaction patterns and alerting members in real time. Sascu members can optionally enable biometric login — fingerprint or facial recognition — for faster, more secure access to the Sascu mobile app.
Online Banking
Full Sascu account management from any browser. Transfers, bill pay, statements, and tax documents.
Mobile Banking
Sascu iOS and Android app with remote deposit, card controls, fingerprint login, and instant alerts.
Account Alerts
Custom Sascu notifications for transactions, balances, bill due dates, and security events via text or email.
Sascu in the Community
Sascu credit union invests directly in the neighborhoods it serves — funding financial literacy programs, supporting local nonprofits, and offering affordable banking to underbanked communities.
Sascu allocates a percentage of annual earnings to community development initiatives. The Sascu Financial Literacy Program provides free workshops at public libraries and community centers, covering budgeting basics, credit score improvement, mortgage readiness, and retirement planning. In the past year, Sascu delivered over 200 workshops reaching more than 4,000 participants. These sessions are open to everyone — Sascu membership is not required to attend.
Through the Sascu Community Impact Fund, the credit union awards grants to local nonprofit organizations focused on affordable housing, workforce development, and small business incubation. Recent Sascu grants supported a first-time homebuyer counseling program, a culinary training kitchen for unemployed adults, and a microloan fund for women-owned startups. Sascu employees also contribute volunteer hours — each Sascu team member receives 16 hours of paid volunteer time annually.
Sascu partners with local school districts to offer in-school credit union branches staffed by students under faculty supervision. These student-run Sascu branches teach practical financial skills while providing a safe place for students and staff to make deposits. The Sascu scholarship program awards $25,000 annually to graduating high school seniors who are Sascu members, based on academic achievement and community service.
What Sascu Members Say
Sascu made getting our first mortgage straightforward. The Sascu loan officer walked us through every document and we closed two weeks ahead of schedule.
I switched my business accounts to Sascu three years ago and cut my monthly banking fees by more than half. The Sascu business team actually answers the phone.
Retired on a fixed income and Sascu never nickel-and-dimes me. Free checking, no minimum balance, and the Sascu online bill pay saves me stamps every month.
Frequently Asked Questions
Sascu members can open a checking account online through the secure Sascu online banking portal, by visiting a Sascu branch location, or by calling member services at (555) 234-6789. You will need a government-issued ID, Social Security number, and an initial deposit of at least $25. Sascu checking accounts have no monthly maintenance fee and include a free Sascu Visa debit card with nationwide ATM access.
Yes. The Sascu mobile banking app includes remote deposit capture, allowing members to deposit checks by taking a photo with their smartphone. Deposits submitted before 4 p.m. Eastern on business days are typically available the next business day. The Sascu mobile app is available for both iOS and Android and requires Sascu online banking enrollment.
Sascu offers conventional fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Sascu mortgage specialists work with members to select terms from 10 to 30 years with competitive rates for both purchases and refinances. Sascu mortgage pre-approval can be completed online through the Sascu online banking portal.
Sascu online banking uses multi-factor authentication, 256-bit SSL encryption, real-time fraud monitoring, and automatic session timeouts. Sascu also provides account alerts for unusual activity and optional two-step verification via SMS or authenticator app. Sascu members can manage security preferences from the account settings menu within the Sascu online banking dashboard.
Yes. Sascu business members can submit loan applications through the Sascu online banking portal for amounts up to $500,000. Larger loan requests, including SBA loans and commercial real estate financing, may require additional documentation submitted through a Sascu business banking representative who will guide you through the process.
Sascu domestic wire transfers have a daily limit of $50,000 with a $15 fee for outgoing wires. International wires carry a $35 fee with limits set per-account based on relationship history. Incoming wires, both domestic and international, are received at no charge to Sascu members. Wire transfer requests can be initiated through Sascu online banking.
Yes. Sascu Credit Union is federally insured by the National Credit Union Administration (NCUA). Member deposits are protected up to $250,000 per individual account holder through the National Credit Union Share Insurance Fund, backed by the full faith and credit of the United States government. Joint Sascu accounts may qualify for additional coverage through NCUA rules.