Accounts
Back to School, Back to Smart Financial Habits
The start of a new school year brings fresh opportunities, new goals, and plenty of expenses. Whether you’re shopping for school supplies, preparing a student for college, or simply getting back into a routine, now is the perfect time to make your finances work as hard as you do. At SRI Federal Credit Union, we’re here to help you make the most of every dollar with products designed to help you save, borrow wisely, and plan for the future. Back-to-school shopping can put a strain on any budget, but it’s also a great reminder of the importance of having a financial cushion. Our Core Savings Account helps members build healthy savings habits by earning 3.50% APY on the first $5,000 in your primary savings account. Whether you’re saving for next semester’s tuition, holiday expenses, or an emergency fund, every deposit helps move you closer to your financial goals. One of the easiest ways to grow your savings is to automate it. By setting up Direct Deposit or Payroll Deduction, you can automatically transfer a portion of each paycheck into your savings account before you have the chance to spend it. Even small, consistent deposits can make a big difference over time. Have money set aside for future education expenses or another important goal? Our New Money Certificate Specials offer a secure way to earn more on your savings while locking in today’s competitive rates: Certificates are a great option if you know you won’t need immediate access to your funds and want the confidence of a fixed return. College is one of life’s biggest investments, and we’re here to help make it more manageable. SRI Federal Credit Union offers Student Loans with competitive rates and flexible repayment options to help students and families pay for tuition, books, housing, and other education-related expenses. Whether you’re heading to college for the first time or continuing your education, we’re here to support your journey. A successful school year isn’t just about good grades—it’s also about good financial habits. Consider these simple tips: No matter what this school year brings, SRI Federal Credit Union is committed to helping you reach your financial goals. Whether you’re opening your first savings account, preparing for college, growing your emergency fund, or looking for better ways to save, our team is ready to help every step of the way. Visit one of our branches, explore our online services, or contact us today to learn how SRI Federal Credit Union can help you make this school year your most successful yet. Here’s to a smart, successful, and financially confident school year!Start the School Year by Building Your Savings
Make Saving Automatic
Lock In Great Rates While They’re Available
Financing Higher Education
Budget for Success
We’re Here to Help
Make Every Payday Count
Payday is more than just the day your bills get paid, it’s an opportunity to build your financial future.
With Direct Deposit at SRI Federal Credit Union, your paycheck is deposited safely and securely into your account, giving you immediate access to your money. Better yet, when you pair Direct Deposit with our savings products, you can put every paycheck to work automatically. Start with Direct Deposit Direct Deposit is the easiest way to receive your paycheck, Social Security benefits, pension, or other recurring payments. With Direct Deposit you’ll enjoy: Once it’s set up, your money is there automatically, every payday. Build Savings Automatically One of the best ways to reach your financial goals is to pay yourself first. Instead of waiting to see what’s left over at the end of the month, automatically transfer a portion of each paycheck into savings as soon as it’s deposited. Whether it’s $25, $50, or more, those consistent deposits can add up faster than you might expect. Earn More with Our Core Savings Account Why let your savings sit idle? Our Core Savings Account helps your money grow by earning: ⭐ 3.50% APY* on balances up to $5,000 Whether you’re building an emergency fund, saving for a vacation, planning for the holidays, or simply creating healthier financial habits, your savings can continue working for you every day. Looking for Even Higher Returns? If you’re saving for a future goal and don’t need immediate access to your funds, consider one of our limited-time promotional Certificates of Deposit. Current CD Specials These promotional rates provide an excellent opportunity to earn even more on your savings while keeping your money safe and federally insured. A Simple Strategy That Can Make a Big Difference Imagine this: Your paycheck is deposited automatically through Direct Deposit. Before long, you’re building savings without having to think about it. Financial success doesn’t always come from making big changes—it often comes from creating small, consistent habits that happen automatically. Let’s Help You Reach Your Goals Whether you’re just getting started or looking to make your savings work harder, SRI Federal Credit Union has the tools to help. Our team would be happy to help you: Set up Direct Deposit Your next paycheck could be the first step toward a stronger financial future. Stop by one of our branches or contact us today to get started! APY=Annual Percentage Yield. APYs are accurate as of July 2026 and are subject to change without notice. Promotional Certificate of Deposit offers are available for a limited time. Early withdrawal penalties may apply. Membership eligibility required.
4.15% APY*
4.00% APY*
A portion is automatically transferred into your Core Savings Account.
Once your savings grows, you move a portion into one of our promotional Certificates of Deposit to earn an even higher return.
Open a Core Savings Account
Take advantage of our current promotional Certificate of Deposit specials
Create a savings strategy that fits your goals
Got a Tax Refund? Here Are 5 Smart Ways to Use It
Tax season is here, and for many people, that means one thing… a refund.
While it might be tempting to spend it right away, your tax refund is a great opportunity to strengthen your financial future. With a simple plan, you can turn that refund into something that continues working for you long after tax season ends.
Here are five smart ways to make the most of your tax refund this spring. If you don’t already have an emergency fund, this is one of the best places to start. Unexpected expenses can happen at any time, and having a financial cushion can make all the difference. Even setting aside part of your refund can give you peace of mind. 💡 Make it work harder for you: Tip: Use your refund to fully fund that first $5,000 tier and maximize your earnings right away. If you’re carrying balances on credit cards, your tax refund can be one of the fastest ways to reduce what you owe and save on interest. 💡 Smart move: This gives you breathing room to pay down your balance faster without interest working against you. *Request must go through Balance transfer Application linked HERE. If you don’t need immediate access to your refund, putting it into a certificate can be a great way to earn more. 💡 Current opportunity: It’s a simple, predictable way to grow your savings over a short period of time. Your refund can also help you move forward on something meaningful. Think about what’s ahead this year: Using your refund intentionally can help you move forward without relying on additional debt. You don’t have to choose just one path. One of the smartest strategies is to split your refund: This approach helps you build financial strength while still enjoying the moment. Your tax refund is more than just extra cash. It’s an opportunity to reduce stress, build stability, and take a meaningful step forward financially. At SRI Federal Credit Union, we’re here to help you make the most of it with better rates, practical tools, and personalized support.
1. Build or Boost Your Emergency Savings
SRI Federal Credit Union’s Core Savings account currently earns 3.50% APY on the first $5,000, giving you a strong return while keeping your money safe and accessible.
2. Pay Down High-Interest Debt
Transfer higher-rate balances to an SRI Federal Credit Union Visa Credit Card and take advantage of 0% APR for 15 months on balance transfers*.
3. Lock In Your Earnings with a Certificate
SRI Federal Credit Union is offering a 9-month Certificate at 4.00% APY on new money. (Special good till the end of April 2026)
4. Invest in a Goal That Matters to You
5. Do a Little of Everything
Make Your Refund Work for You
✔️ Quick Next Steps:
Tap Cards Are Here at SRI Federal Credit Union!
Updated 02/01/2026
Big things are happening at SRI Federal Credit Union! We’re excited to announce that Tap Cards, also known as contactless payment cards, are now available for all SRIFCU Visa® Credit and Debit Cards. This means every member can now enjoy a faster, easier, and more secure checkout experience with just a simple tap. Tap Cards are a modern, more convenient way to pay. With just a quick tap on the payment terminal, you can complete purchases in seconds without swiping, inserting, or entering a PIN for most small transactions. Here’s what you can look forward to: ✅ Fast and Convenient – Tap and go at checkout counters, transit stations, vending machines, and many other places. 💳 Look for this symbol wherever you shop! Whether you’re grabbing a cup of coffee, picking up groceries, or boarding public transit, Tap Cards make everyday purchases quick and safe. If you already have an SRIFCU Visa Credit or Debit Card, your current card will automatically be replaced with a Tap Card when it expires. However, if you’d like to start tapping now, you can call us and request a Tap Card today! Tap Cards are also now available for instant issue at our branch! Tap into the future of payments with your new SRIFCU Tap Card!Why Tap Cards?
✅ Safe and Secure – Each transaction uses a unique, one-time code that helps protect you from fraud.
✅ Widely Accepted – You can use your Tap Card anywhere you see the contactless symbol:
How to Get Your Tap Card
Important Updates to Funds Availability and Check Collection Rules
To ensure continued compliance with federal banking regulations, SRI Federal Credit Union would like to inform our members of upcoming changes to Regulation CC, the rule that governs the availability of funds and the collection of checks. These changes, mandated by the Federal Reserve Board and the Consumer Financial Protection Bureau (CFPB), effective as of July 1, 2025. As part of the regularly scheduled inflation adjustments required by law, several dollar amount thresholds are increasing. These updates may affect when and how much of your deposited funds become available, especially for larger deposits or new accounts. Effective as of July 1, 2025, the following updates to Regulation CC will take place: Minimum Availability Amount (formerly the “$100 Rule”): Cash Withdrawal Amount: Special Rule Thresholds for new accounts, large deposits, and repeated overdrafts: New Account Threshold: from $5,525 to $6,725 Large Deposit Threshold: from $5,525 to $6,725 Repeated Overdraft Threshold: from $5,525 to $6,725 We’re here for you. If you have any questions about how these updates to Regulation CC may impact your deposits or account activity, please contact us at 1-650-800-5434 or visit your nearest SRI Federal Credit Union branch. Thank you for being a valued member of SRI Federal Credit Union.
What’s Changing?
Increasing from $225 to $275
(This is the portion of a deposit that must be made available by the next business day.)
Increasing from $450 to $550
(This is the amount available for cash withdrawal from certain check deposits.)
Need Help or Have Questions?
Kickstart Your Financial Goals for 2025 with SRI Federal Credit Union
The start of a new year is the perfect time to reflect, set goals, and take charge of your finances. At SRI Federal Credit Union, we’re here to help you achieve those goals with products and services designed to make your money work harder for you. Whether you’re saving for a big purchase, paying off debt, or building financial stability, we’ve got you covered. Ready to grow your savings faster? Our Core Savings Account offers an impressive 4.08% APYE* on the first $5,000 you deposit. That means your money earns more while staying easily accessible. Start building your safety net or saving for future plans with one of the best rates around. If paying down credit card debt is on your list of resolutions, our Visa Credit Card Balance Transfer Promotion is just what you need. Switch your balances, enjoy fewer monthly payments, and save on interest so you can get ahead financially in 2025. Whether you’re planning a major purchase or consolidating other debt, our Fixed-Rate Personal Loan offers an attractive 8.99%APR**. This flexible solution provides the funds you need with the predictability of a fixed monthly payment. At SRI Federal Credit Union, we’re more than just a financial institution—we’re your partner in success. Let’s work together to make your financial dreams a reality. Stop by one of our branches, explore our website, or give us a call to explore these offers and take the first step toward a stronger financial future. Make 2025 the year you take control of your finances—and we’ll be with you every step of the way! *APYE=Annual Percentage Yeild Earned. All Rates Are Subject To Change. **APR=Annual Percentage Rate.All Rates Are Subject To Change. ***Terms and conditions apply. Balance transfers must be from other financial institutions. A 3.99% balance transfer fee will apply at the time of the transfer. Internal balance transfers do not qualify. Introductory rates are subject to credit approval.Save More with Our Core Savings Account
Simplify Debt with Our Visa Balance Transfer Promotion
Affordable Borrowing with Our Fixed-Rate Personal Loan
Let’s Make 2025 Your Best Financial Year Yet
New Year, New Financial Goals: Start 2025 with Confidence
As we step into 2025, it’s the perfect time to set new financial goals and take control of your future. At SRI Federal Credit Union, we’re here to support you every step of the way with products and services designed to help you save, grow, and manage your finances more effectively. Whether you’re looking to build a stronger savings habit, make home improvements, or lower your auto loan payments, we’ve got you covered! Let 2025 be the year you achieve your financial goals. Stop by a branch, apply online, or give us a call to learn more about how SRI Federal Credit Union can help you make this your most financially successful year yet. Together, let’s make your dreams a reality!
We are #1 in the Nation!
Blog post updated on 05/08/2025
We’re thrilled to share some exciting news—SRI Federal Credit Union is now ranked #1 nationwide! This recognition highlights the incredible value we provide to our members, and we couldn’t have done it without your support.
What Makes Us #1?
Credit unions are all about giving back to their members, whether it’s through competitive rates, personalized service, or community involvement. But how is value that value measured? That’s where the Return of the Member (ROM) or as we would like to say, “Return to the Member”, calculation comes in.
Over 20 years ago, Callahan & Associates developed ROM to gauge how well credit unions deliver value. ROM looks at three key areas:
- Return to Savers: How much value we provide through savings rates and dividends.
- Return to Borrowers: The benefits our members get from loan rates and fees.
- Member Participation: How actively members use our products and services.
How Does ROM Work?
ROM scores measure a credit union’s value compared to its peers by analyzing 18 metrics across those three main areas. The Return to Savers category considers things like dividends paid, average dividends, share balance growth, and the number of share accounts per member. The Return to Borrowers category looks at factors such as loan yield, loan growth, and how many loans we originate per member. Finally, the Member Service Usage category measures engagement through things like auto loan penetration, credit card usage, and member growth.
These metrics are compared to other credit unions, and the results are combined to create a final ROM percentile ranking. A score of 100 means a credit union is leading the way in delivering member value.
Our Remarkable Achievement
As of the first quarter of 2025, we’re proud to say that SRI Federal Credit Union is:
- #1 nationally among all 4,460 credit unions in the U.S.
This recognition is a huge accomplishment, and it truly reflects the effort and dedication of our entire team. We work hard every day to make sure our members have access to the best financial products and services, and we couldn’t be prouder to receive this honor.
A Team Effort
This success wouldn’t have been possible without our hardworking staff, our Asset Liability Committee that helps maintain competitive dividends, and our Board of Directors and Supervisory Committee for their ongoing support. We’re grateful for their dedication and commitment to serving you.
Thank You for Your Trust
We’re honored to be your financial partner and to continue providing you with the best value in the nation. Thank you for being part of the SRI Federal Credit Union family. We look forward to serving you with the same passion and dedication in the years to come!
Get Ready for the Holidays with Smart Savings!
As the holiday season approaches, it’s easy to get wrapped up in the festivities, from gift-giving to family gatherings and travel plans. While it’s a time to celebrate, these activities can quickly add up and put a strain on your wallet. At SRI Federal Credit Union, we’re here to help you prepare for a joyful, stress-free holiday season by planning and making the most of your budget. Here are some practical tips to keep your finances in check, so you can enjoy all the magic of the holidays without the financial hangover. Start by identifying how much you can comfortably spend during the holidays. Your budget should include expenses like gifts, food, decorations, travel, and any additional holiday events. Once you know what you can spend, you’ll be better prepared to avoid last-minute splurges. Did you know your SRI Federal Credit Union Core Savings Account can be a powerful tool to help you save for the holidays? Every member receives a Core Savings Account when they join SRIFCU, and as of November 1, 2024, it offers a highly competitive 4.08% APYE on the first $5,000. This high rate makes it an excellent option for setting aside funds for special expenses, like holiday gifts or travel. By depositing a little each month, you’ll have a tidy holiday fund ready when the season arrives—without putting a strain on your other finances. Sales events like Black Friday and Cyber Monday are popular times for holiday shopping, but deals can pop up any time. By shopping early, you can spread out your expenses, avoid the holiday rush, and snag the best prices. Don’t forget to check out member-only discounts that might be available to you through your credit union’s card benefits. Impulse buying can make holiday expenses balloon quickly. Make a list of who you plan to buy for, set a spending limit for each, and stick to it. Consider meaningful, personalized gifts that don’t break the bank. Or, if you’re feeling creative, homemade gifts can be both thoughtful and cost-effective. Credit cards can be a helpful tool for managing holiday expenses, especially if they come with rewards. With SRI Federal Credit Union’s Visa® Gold card, you can earn rewards on your purchases. But remember: plan to pay off your balance each month to avoid interest charges. This way, you can enjoy the benefits without carrying debt into the new year. Don’t have an SRIFCU Visa? Click HERE to read about our three Visa credit card options or click HERE to apply. If your holiday plans involve travel, booking ahead can often save you a substantial amount. Look for off-peak travel dates, set up fare alerts, and consider alternative accommodations to find the best prices. Many credit union cards, like our Visa options, offer travel perks and protections—check with us to see how they can support your holiday travel needs. Holiday expenses can sneak up, so make it a habit to track your spending. With SRI Federal Credit Union’s mobile app and online banking features, you can easily monitor your account and keep tabs on your holiday budget. Seeing where you are with your spending can help you make adjustments before it’s too late. If you need a little extra support to make your holidays extra festive, SRIFCU is here to help with a Special Holiday Rate Personal Loan at 8.99% APR, fixed! Our holiday loan can provide an affordable, flexible option to cover seasonal expenses, and with fixed monthly payments, you can keep your budget under control and avoid high-interest credit card debt. Apply HERE or reach out to us to see how this loan can help ease your holiday finances with manageable payments. Planning and saving for the holidays might seem like a lot of work now, but come January, you’ll be glad you took these steps. SRI Federal Credit Union is here to support you every step of the way with tools, tips, and personalized financial guidance. If you’re ready to make the most of your Core Savings Account, apply for a rewards card, or simply want advice on managing your finances this season, don’t hesitate to reach out to us. Let’s make this holiday season as joyful for your budget as it is for you!1. Set Your Holiday Budget Now
2. Use Your Core Savings Account to Save for Holiday Expenses
3. Shop Early and Take Advantage of Deals
4. Make a Gift List and Stick to It
5. Use Your Credit Card Wisely
6. Plan Your Travel in Advance
7. Keep Track of Your Spending
8. Consider an SRIFCU Personal Loan with a Special Holiday Rate
Enjoy a Financially Healthy Holiday Season!
SRI Federal Credit Union is Safe and Secure
Our leadership is committed to ethical policies and practices that ensure the credit union and its members remain strong. All deposits are insured by the National Credit Union Administration to at least $250,000. For 66 years, we have operated a simple, straightforward business model focused on supporting our members, the innovators who are building a better future. We have successfully navigated various macroeconomic and interest rate environments, and in 2022 we were rated #1 for Return of the Member in our asset group, nationwide. This is out of 704 credit unions. We also are #3 in California (out of 141 credit unions) and #25 in the Nation (out of 5,048 credit unions). We are here to help you accomplish your financial objectives and always provide you with extraordinary service. Please feel free to reach out to your SRI Federal Credit Union so that we can serve you.