Share Products

Sunflower U.P. Federal Credit Union offers a variety of deposit accounts to meet your needs. They include: Regular share accounts, High Yield share accounts, Checking, ATM and Debit Cards, 6 and 12 Month CD’s, Electronic Deposits and Withdrawals, Payroll Deductions and Direct Deposit, Wire Transfers, Western Union, and Money Orders.

Regular Share Accounts:

Before any other services of the credit union are offered a share account must be opened and maintain a balance of $5.00 for the duration of your account. Dividends are paid quarterly on balances over $25.00. Regular Share Accounts are also covered up to $3000 by Life Savings Insurance at no cost to you. For more information you may call or e-mail Maureen.

High Yield Share Accounts:

Different APR rates are available according to the amount of funds you have in your account. The different tiers available are $1000 to $4999, $5000 to $14,999, $15,000 to $39,999, and anything over $40,000. Dividends are also paid quarterly on these accounts. There is a limit of six withdrawals per month on these accounts.

Checking Accounts:

A minimum of $25.00 is required to open the account. A balance of $300.00 must be maintained to avoid a $3.00 monthly service charge. With this account you have unlimited check writing with no per check fees. You will receive a monthly statement but no cancelled checks or copies of checks will be given. A copy of a cancelled check can be retrieved within a four month period. Dividends are paid monthly on amounts over $300.00.

Totally Free Checking:

A minimum of $25.00 is required to open the account.  There is no minimum balance, no monthly fees and no per check charges.  You will receive a monthly statement but no cancelled checks or copies of checks will be given.  A copy of a cancelled check can be retrieved within a four month period.  No dividends will be paid on this account.

ATM Cards:

These cards are available for qualified members who have a share account only. Limits are set at $205.00 daily with Friday from 3:00 pm to Monday at 3:00 pm counting as one day. Special limits can be arranged.

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Debit Cards:

These cards are available for qualified members who have shares and checking accounts. They can be used at ATM’s and also for purchases. Daily limits are $205.00 for ATM withdrawals and $505.00 for purchases. Friday from 3:00 pm to Monday at 3:00 pm is considered one day. Special limits can be arranged. 

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6 and 12 Month CD’s:

A $500.00 minimum balance is all that is required on these certificates of deposits. Call for a current rate.

Electronic Deposits or Withdrawals:

Electronic Funds Transfers (EFT) are electronically initiated transfers of money from your account that you have authorized for bill paying or electronically initiated deposits of payroll checks, social security checks, etc. There are no charges for this service unless your account has insufficient funds.

Payroll Deductions and Direct Deposits:

Many of the companies that Sunflower UPFCU is affiliated with offer payroll deductions. If you wish to have only a portion of your check deposited or used towards a loan payment, payroll deduction can be set up for you. If you would like to have your entire check direct deposited and the company you work for offers this service, you may set it up through your company or with us.

Wire Transfers:

Wire transfers can be incoming or outgoing. See the Fee Schedule for cost of this service.

Western Union:

Western Union is an outgoing service only. See the Fee Schedule for cost of this service.

Money Orders:

Money orders are available for a small fee. The maximum amount per money order is $1000.00.