Take advantage of the latest Sacramento Credit Union bonuses, promotions, and offers here.
Update 10/22/25: There’s currently a $300 checking bonus for First Responders available for a limited time.
Sacramento Credit Union Bonuses Review
Established in 1935, Sacramento Credit Union is licensed by the State of California. Plus, they are federally insured up to $250,000 per account by the National Credit Union Share Insurance Fund. Furthermore, they strive to provide the best financial services, products, and solutions to their members. Additionally, there are several neat perks that comes with this account as well.
I’ll review the current Sacramento Credit Union bonuses below.
Sacramento Credit Union $300 Checking Bonus (First Responders)
Earn a $300 bonus from Sacramento Credit Union when you open a new eligible checking account.
- What you’ll get: $300 Bonus
- Eligible account: Checking
- Where it’s available: CA (Branch Locator)
- Credit Inquiry: Soft Pull
- Direct Deposit Required: Yes
- Monthly Fee: None
- How to earn it:
- Open a Free Reward Checking Account using promo code ACADEMY300 with a minimum opening deposit of $25.
- Within 90 calendar days of account opening (the “Qualification Period”), the account must receive $2,000 or more in qualifying electronic direct deposits.
- If all requirements are met, the $300 bonus will be deposited to your Free Rewards Checking account within 30 calendar days following the end of the Qualification Period.
(Limited time offer)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($325 bonus) | |
Fine Print
- To receive the $300 bonus: To take advantage of the $300 Bonus Academy Special Limited Time Offer, you must use the promo code ACADEMY300 when completing the application. You may open your account at a Sacramento Credit Union branch, online via our SactoCU.org website or using your SCU online banking or mobile app.
- Offer Eligibility: This offer is available to new Free Rewards Checking account holders only who are attending or have graduated the Sacramento County Sherrif’s Academy during the promotion period. Existing members with an open SCU checking account and/or members who have participated in a Free Rewards Checking Account promotion within the past five (5) years are not eligible for this offer. Limit one $300 bonus per member, regardless of the number of accounts opened. Offer may be changed or withdrawn at any time without notice.
- You must open a new Free Rewards Checking account, subject to approval, with a minimum opening deposit of $25.
- Within 90 calendar days of account opening (the “Qualification Period”), the account must receive $2,000 or more in qualifying electronic direct deposits.
- Qualifying direct deposits are deposits of regular income – such as your salary, paycheck, pension payment, Social Security payment, or other government benefits payment electronically deposited into the account from an employer or similar third party – using your account number and SCU’s routing number that you provide to them. We reserve the right to request documentation that the direct deposits qualify. Non-qualifying examples include: teller deposits, wire transfers, ATM transfers or deposits, SCU Digital Banking transfers or deposits, deposits processed as a debit card credit, transfers from any bank or brokerage account, and Account to Account or Peer to Peer (e.g. Zelle®, Venmo) transfers.
If all requirements are met, the $300 bonus will be deposited to your Free Rewards Checking account within 30 calendar days following the end of the Qualification Period.
- Important Tax Information: The bonus will be reported as interest on IRS Form 1099-INT and may be subject to applicable taxes. You are responsible for any tax obligations. If you are subject to backup withholding, the bonus may be reduced accordingly.
Sacramento Credit Union $200 Checking Bonus (Expired)
Earn a $200 bonus from Sacramento Credit Union when you open a new eligible checking account.
- What you’ll get: $200 Bonus
- Eligible account: Checking
- Where it’s available: CA (Branch Locator)
- Credit Inquiry: Soft Pull
- Direct Deposit Required: Yes
- Monthly Fee: None
- How to earn it:
- Open a Free Rewards Checking account with Direct Deposit and get a $200 Bonus!
- Direct Deposit (electronic transfer for payroll, pension or government benefits) must post to new checking account by day 60 after account opening.
- A $200 bonus will be deposited into the new free checking account on the first business day after 60 days of the account opening.
(Expires 12/31/2024)
| Bank of America Checking ($500 Bonus Offer) | KeyBank Checking ($300 bonus) |
| SoFi Checking & Savings Account ($325 bonus) | |
Fine Print
- Checking account opened must be qualified based upon standard Sacramento Credit Union guidelines.
- Existing Sacramento Credit Union checking account holders are ineligible for the $200 bonus.
- Direct Deposit (electronic transfer for payroll, pension or government benefits) must post to new checking account by day 60 after account opening.
- A $200 bonus will be deposited into the new free checking account on the first business day after 60 days of the account opening.
- Bonus is considered interest and will be reported on IRS form 1099-INT.
- Offer valid through December 31, 2024.
Sacramento Credit Union $50 Referral Bonus (Expired)
Earn a $50 referral bonus from Sacramento Credit Union when you refer someone open a new eligible checking account.
- What you’ll get: $50 Referral Bonus
- Eligible account: Free Checking, Free Rewards Checking, Free Interest Checking
- Where it’s available: CA
- Credit Inquiry: Soft Pull
- Direct Deposit Required: No
- Monthly Fee: None
- How to earn it:
- Refer a new member to Sacramento CU to open a checking account and you will both earn $50.
- When your friend opens a checking account, you’ll receive $50 deposited into your account, within 30 days
- Referral must complete a $5 one-time membership fee and a $25 deposit is required to open a savings account, which makes them a member of SCU. Then, a $25 deposit is required to open one of their free checking accounts.
- Must use code “FRIENDS” when you open the account online.
(Limited time offer)
| KeyBank Checking ($300 bonus) | HSBC Premier Checking (Up to $3,500 Cash Bonus), |
Fine Print
- Checking account opened must be qualified for based upon standard Sacramento Credit Union guidelines
- $100 bonus will be deposited into the new free checking account once requirements have been completed
- Bonus is considered interest and will be reported on IRS form 1099-INT
How To Waive Monthly Fees
- Free Checking: None
- Free Rewards Checking: None
- Free Interest Checking: None
- Free Business Checking: None
- Business Interest Checking: $5 monthly fee. Maintain a $5,000 minimum balance to avoid the monthly account fee
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Conclusion
Overall, Sacramento Credit Union offers online, mobile, and telephone banking so you can access your money anywhere at anytime! Plus, there’s a vast array of promotions from Sacramento Credit Union, that’s why we aim to provide the best and most up to date bank bonuses currently available! However, if you don’t reside in California, check out other bank bonuses below.
Now, while these bank promotions are rather attractive, you can also take advantage of our list of Savings, Money Market, and CD rates.
However, if you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
Furthermore, feel free to comment on this post with any questions you may have about Sacramento Credit Union, their accounts they offer, or any experiences you have had!
Lastly, check back often for more Sacramento Credit Union Bonuses, Promotions, or Offers!
