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Share Draft Checking

Enjoy the convenience and benefits of our Share Draft/Checking Account

With the SNIFCU, you'll get:

  • No monthly fees!
  • No minimum balance
  • FREE Visa Debit Card
  • Direct Deposit
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements
  • Surcharge-free ATM transactions at over 50,000 Allpoint Network ATMs worldwide

Business Draft

Full service checking account designed for LLCs, Partnerships and Sole Proprietorships.

No monthly maintenance fee is charged if $2500 minimum business balance is maintained ($10 monthly fee if balance falls below minimum). Business owner(s) must qualify for SNIFCU membership.

Account Features:

  • $2,500 minimum opening deposit
  • No deposit item fee
  • First 30 drafts (checks) are free, $0.20 per item thereafter.
  • FREE VISA Debit Card
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements
  • Surcharge-free ATM transactions at over 50,000 Allpoint Network ATMs worldwide

Paper checks are not required to use the Business Checking account, but they are available for purchase.


Share Savings

Your initial deposit of $5 into a Share Savings account is all that’s required to join the SNIFCU and gain access to all of the privileges membership provides. When you open your share savings account you not only become a customer of the SNIFCU but an owner as well. Dividends are calculated on your average daily balance and paid to this account quarterly. There is no penalty for withdrawing your money when you need it.

Share Certificates


  • $500 minimum opening balance
  • 6 to 60 month terms1
  • Guaranteed fixed quarterly dividends1
  • The longer the term, the higher the dividend rate
  • Funds are federally insured by the NCUA

1 Substantial penalty for early withdrawal. Fees may reduce earnings on account.

Dividends paid quarterly. Please refer to our Truth-in-Savings and Electronic Services Disclosure and Agreement

Money Market

This account is for the serious saver and requires a minimum deposit of $2,500. With our Money Market account, you’ll get bigger dividends that grow as you continue to save.

Save with confidence. Your SNIFCU certificates of deposit, checking and savings accounts are insured to at least $250,000 by the National Credit Union Administration (NCUA), a federal agency.

Youth Accounts

Youth Savings

The SNIFCU is committed to helping young people acquire good financial skills. We provide the tools children need to build wealth and learn the value of saving, earning and investing.

Teaching the concept of saving at a young age benefits a person for a lifetime. Our goal is to help young people become knowledgeable and confident about money, so they'll make smarter financial decisions as adults.

Parental Co-Signer Required

SNIFCU Club Accounts

Start saving today for your family vacation or next year’s holiday shopping. We all know it’s easier to save twenty dollars a week than come up with $1040, so a Club Account provides the perfect solution. You set your deposit amount and build your savings from there.

The Seneca Nation of Indians Federal Credit Union’s (SNIFCU) Club Accounts are interest bearing and are also available with direct deposit.

Stop by our either of our branches or call our offices to start your own Club Account today.

  • Payroll deduction available for convenient automatic deposits
  • Automatic or pay-as-you-go deposit options
  • Interest bearing accounts (with a daily balance of at least $100)
  • Dividends compounded and paid quarterly

Holiday Club

You can start a SNIFCU Holiday Club at any time. You can continue to deposit funds, whether through transfers from your other accounts, with a direct deposit from your paycheck, or by making deposits in the branch, and with a daily balance of at least $100 you’ll also earn dividends. The funds saved will automatically be transferred to your primary Savings account during the first week of October. Just in time for the holiday shopping season.

  • Early withdrawals require a $10 fee

Vacation Club

Start saving for that special vacation with a Vacation Club account. With SNIFCU’s Vacation Club account, you can open it at any time of the year, and access the funds at any time. This makes it the perfect option to save for summer vacations, spring break, or a special event.