Services

Low or No-cost Savings Account
SSCFCU offers a savings/share account that is only $25.00 to open, inclusive of a one-time only $10.00 membership fee. The monthly minimum balance requirement is only $15.00. There is a $1.00 monthly service charge if the balance falls below $15.00. Direct Deposit and payroll deductions are available as a convenient way to save.

Two pieces of identification are required when opening any SSCFCU account, a primary and secondary ID:
Primary - Driver's License, State Issued Identification or passport,
Secondary - Major cedit card or bank card, Employer ID, School ID, Voter's registration card, Military, Firearm Owner's ID

For Youth Accounts: A Social Security Card & School ID

Low or No-cost Checking Account
SSCFCU offers a free share draft/checking account. it is $50.00 to open. Member must have a share account balance of $100.00 at the time the account is opened. The non-sufficient funds (NSF) is only $20.00.

SSCFCU does not offer overdraft protection but does offer a transfer sweep for $5.00. Whenever the share draft/checking account is overdrawn, the amount of the check and the fee is automatically transferred from the savings/share account to the checking account to cover the item.

Check Cashing
SSCFCU is a cashless credit union and does not cash checks over the counter. SSCFCU maintains a relationship with Harris Bank and Trust that cashes all SSCFCU teller checks and money orders free of charge at their Wentworth branch.

Money Orders
SSCFCU offers money orders for $.50 each, irrespective of the amount.  These money orders are withdrawn from the member's account. Consequently, you must be a member to purchase money orders.

Remittances
SSCFCU offers wire transfers and Western Unions at a cost of $15.00

Bill payment services
An online automated service to pay household bills (utility, rent) will be available soon.

Debt consolidation service
SSCFCU offers low-interest rate debt consolidation loans.

Credit enhancement
SSCFCU provides free one-on-one credit/financial counseling to help improve one's credit score. SSCFCU is a HUD certified home ownership counseling center and a delegate agency for the city of Chicago. We offer low interest rate credit builder loans. All loan payments aere reported to the credit bureau.

Other savings programs
SSCFCU offers Youth, Holiday and Vacation Club Accounts plus CD's.

Small loans
SSCFCU offers low interest rate personal, auto, home and small business loans. It even offers Payday Alternative Loans. The application fee ranges between $10.00 - $20.00. The interest rate ranges between 4.5% - 28% depending on the product, the credit score and a person's debt-to-income ratio.

"Secured" Credit Cards
SSCFCU offers Share secured loans for the purpose of building credit and savings, but does not offer "secured credit cards".

Financial Education / Planning Seminars
SSCFCU has 7 years of experience offering free financial education classes on and off site of the credit union. It is an 8 week course with pre and post test evaluations. It provides certificates of completion to all of its graduates.