Accounts

checking

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Your checking account is an important money management tool and should make your life easier. That's why all of SW66CU's checking options offer the convenience of 24-hour access, extended ATM network, and robust mobile app. From our 55+ Checking to our Standard Checking, we have an option that's right for you!

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savings

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We're here to help you achieve your financial goals and offer friendly savings options to do just that! Whether you're building emergency savings, eyeing a longer-term goal like buying your first home, or planning for retirement - we have an account that's right for you.

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Find a branch

Call (432) 363-6600

share savings

Earn competitive interest and sleep peacefully knowing your funds are federally insured to at least $250,000.

Only $1 minimum deposit to open
No monthly service charge
Dividend (interest) rate based on quarter-end earnings
$100 minimum balance for a full quarter to earn dividend

Money Market

To grow your savings, consider a Money Market or Money Market Plus Account. There is no penalty for withdrawals or closing the account and it includes three withdrawals by check each month plus office transactions.

$1,500 to open and maintain Money Market
$20,000 to open and maintain Money Market Plus
Minimum deposits $100
Minimum withdrawals $100
Rates subject to change monthly

Share certificates

Looking for a longer-term savings option? SW66CU's range of fixed-rate share certificates can help you reach your savings goals faster with our competitive interest rates. Pick the term that best fits your time horizon.

From 6 to 60 month term certificates
Competitive, fixed rates
Low minimum deposit required
Interest rate and compounding is determined by term of certificate
Renewal is subject to rates at prevailing maturity
Penalty may apply for early withdrawal
Rates subject to change without notice

Save to Win share certificates

Save to Win is a special savings account at SW66CU that gives you all the benefits of a savings account — plus the chance to win big! Each $25 deposit into this share certificate earns you an entry into the monthly and quarterly drawings. The more you save, the more chances you earn — up to 10 drawing entries per month. Not only will you build your savings and earn interest/dividends, you can win multiple prizes throughout the year. To learn more visit the Save to Win website.

IRAs

Start saving for retirement today with a SW66CU IRA! Open an IRA share account with just $25. Earn competitive rates with interest compounded quarterly. No maintenance fee and possible tax advantages. Fixed rate IRA Share Certificates are also available. Contact us today to get started! Subject to all Federal IRA guidelines and restrictions.

Youth Account (Stork club)

Get your child started on the path to savings with the gift of credit union membership! As a free gift to new babies of the SW66CU family, the credit union will deposit $25 to open an account for any member's new baby. All you have to do is supply the child's social security number before age six months. Funds must remain in the account for a minimum of two years. Stop by a branch or call us today to open your new baby's account!

Quick & Easy Access

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“Thank you, not only for what you do for your members, the services that you provide, but thank you for making Odessa even a stronger community because of your existence.”

State Representative, Brooks Landgraf

Additional Services

VISA DEBIT CARD

Make in-store and online purchases conveniently and securely at millions of locations worldwide with your Free Visa Debit Card from SW66CU! You can also use your Debit Card to access our extended ATM network. And, ALL of our cards are EMV cards for greater fraud protection.

direct Deposit

Simplify your life with direct deposit! Our robust direct deposit system is easy to use. Contact us today to start having your payroll, pension, Social Security and other regular deposits electronically credited to your account.

ORDER CHECKS

Click here to order checks

VISA AFFINITY DEBIT CARD

SW66CU has established relationships with school and church groups to offer affinity cards. A quarter donation of 5% of net interchange is made to these organizations. Current affinity relationships include:

Odessa High School
Permian High School
Jesus House
CDA Catheral de alabanza
Faith Temple Fellowship
Go Knights
Latter Rain Worship Center

Show your school or church pride through an affinity card. If your school and church is interested in joining this program, please stop by a branch or give us a call.

ONLINE BANKING & BILL PAY

Manage your money anywhere, anytime with the convenience of Online Banking from SW66CU! We make it simple to:

View your account balance & recent transactions
Transfer funds between accounts
Monitor activity to help prevent fraud
Receive transaction and login alerts
Pay SW66CU loans
Pay your bills and schedule future payments
Send funds for graduation, birthdays, and more
App enabled

It's easy to get started! Register to access Online Banking/Bill Pay.

OVERDRAFT-COURTESY PAY SERVICES

At SW66CU, we understand that mistakes can happen - even to the best of us! That's why we offer several overdraft protection options to suit your needs:

Link your savings, money market accounts, or other SW66CU deposit accounts to your checking account to automatically cover overdrafts. Contact us to request linking your accounts and take advantage of your current savings balance to cover unexpected expenses.
If qualified, utilize our Overdraft Protection Program to avoid the embarrassment of returned checks or declined debit card transactions. Contact us about Opt-in procedures.