SUMMARY
- The holiday season brings heavy spending, but with 2026 almost here, now is the perfect moment to shift focus from spending to saving.
- A Holiday Club account makes saving for next year’s holidays easy.
- Limited-time Certificates offer security and strong short-term returns
- Youth Accounts encourage good money habits early, teaching budgeting, saving, and financial responsibility.
Black Friday. Cyber Monday. Shop Small Business Saturday. Giving Tuesday. Christmas. Hanukkah. Kwanzaa. How’s your budget fared this holiday season? With 2026 just days away, let’s flip the script from spending to saving.
Now’s the perfect time to start saving for next year’s holidays. Put a Holiday Club account at the top of your list. You may be thinking, “I’ve spent it all; I have nothing to save.” That’s the beauty of the Holiday Club account. There is no minimum balance and no maintenance fees. Making small, automatic deposits from your paycheck or Credit Union Checking account will help you create a nice balance for next year’s holiday expenses. Your savings earn a festive 1.00% APY*, and the funds are disbursed free in November 2026, just in time for holiday shopping. Think short- and long-term in the new year. Our Limited Time 3- and 6-Month Certificates earn 4.00% APY**. If you can spare a little more time, open a No Penalty 9-Month Certificate. You’ll get 4.00% APY† and have the flexibility to make one penalty-free withdrawal per calendar month after the first 30 days of funding the account. Get your kids into the savings habit. Our Youth Accounts help teach financial responsibility and lay the foundation for a lifetime of fiscal responsibility. These age-appropriate Savings, Checking, and Certificate accounts are free and come with fun, informative newsletters and websites, as well as competitions and prizes. They’ll get to do their own budgeting and learn about responsible money use, like saving for goals, valuable lessons that will last a lifetime.
One final thought.
As the holidays come to an end and we turn our sights to 2026, we hope you seize this opportunity to take a fresh look at your budget and find ways to give yourself the gift of savings. Our many Savings, Checking, and Certificate accounts are a great way to start. Open an account using our digital banking platform or by visiting one of our branches. Or give us a call at 800.877.2345. We hope your holidays are wonderful and your new year is filled with health, happiness, and prosperity.
Remember that our branches will be closed Christmas Eve, Wednesday, December 24, Christmas Day, Thursday, December 25, and New Year’s Day, Thursday, January 1, 2025. You can access your accounts by signing in to our digital banking platform 24/7.
*APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.
**Limited Time 3-Month and 6-Month Share Certificates. The following terms are available as follows: 3 months, and 6 months. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. “Limited Time 3-Month and 6-Month” Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., “Direct Deposit Bonus” and “Jumbo Certificate” increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. APY = Annual Percentage Yield. Yields are subject to change at any time. Early withdrawal penalty and fees could reduce the earnings on an account.
†Limited Time Offer No Penalty 9-Month Certificate Account / Yields are subject to change without notice. This is a promotional yield of 4.00% APY. Bonus Dividend may not be combined with any other dividend increase/bonus. Annual Percentage Yield (APY) is calculated on a 4.17% base rate, $1,000.00 minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates do not qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. Normal substantial penalty for early withdrawal of certificate funds will be waived as follows: 1) No withdrawals within the first 30 days of setting up the certificate 2) One withdrawal allowed per calendar month after the initial 30 days no withdrawal. Fees and other conditions may reduce earnings. The 9-Month promotional No Penalty Certificate will automatically roll over to a 9-Month Certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. Rates and terms are subject to change at any time. Fees could reduce the earnings on an account. No Additional deposits are allowed. No withdrawals prior to maturity date subject to terms; penalties will be waived after the first 30 days.
