SCCU's "New Directions" Savings Account is designed to offer SCCU membership and basic financial services to individuals with poor credit. The "New Directions" Savings Account becomes your primary account with SCCU.

• Minimum opening deposit $5 - plus, a one-time membership fee of $5.
• $50 fee if account is closed prior to the six-month anniversary.
• Checks other than the approved, verified payroll check will be deposited to the account and will be held for 11 business days.
• 3 teller withdrawals per month FREE; thereafter, a $2 charge for each withdrawal.
• $3 check cashing fee if cash back received is greater than the amount you have available on deposit.
• FREE ATM Card (withdrawals only).
• After you have held the account for at least one year, you may contact SCCU to request conversion to a regular account relationship. Approval will be dependent on your account history.