Holiday Club Account

Let Us Help You Save for the Holidays  |  Competitive Rates and Terms

Convenient Access  |  Safety and Security  |  How to Open Yours

Your DCU Holiday Club Account allows you to save throughout the year for the holidays. A low required minimum automatic deposit of $20 per month helps makes saving easy. These automatic transfers can come from your DCU Checking Account or your Savings Account. You can set up automatic transfers on PC Branch or have us set up automatic transfers for you.* Even if you don't plan to use the money for holiday shopping, it's a great way to pay yourself first and make your money grow faster.

*Federal Reserve Regulation D limits total phone or PC Branch transfers or withdrawals from all savings accounts into your checking account to six per month. Loan payment transfers, teller counter transactions, ATM transactions, deposits, and transfers into your account are unlimited.

Compare DCU's Holiday Club Account to bank statement savings accounts and you'll see how much better it is. You'll pay no monthly fees and the minimum balance, at $5.00, is insignificant. The dividend rate is typically higher than interest rates paid by commercial banks.

Your dividends are compounded daily and paid monthly. Current dividend rate. Use our Savings Calculators to help you determine the savings plan to meet your goals.

You can access your account 24 hours a day using any DCU ATM, PC Branch, Mobile PC Branch, and Easy Touch Telephone Teller. You can access your account in any DCU branch and make deposits online anytime with a scanner or camera in your smart phone by PC Deposit and Mobile PC Deposit.

DCU's Holiday Club Account is federally insured along with your other DCU savings up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. Additional aggregate coverage is possible depending on how you structure the ownership of your family's accounts.

To open your account, print out a Checking and Savings Application (.pdf format), fill it out completely, and return it to DCU with your opening deposit of $100 or more (to earn dividends). You can also open your account at any DCU Branch.

For more information about savings accounts or any of DCU's products and services, visit a local branch or call our Information Center at 508.263.6700 or 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time.

Rates may change after the account is opened and are subject to change weekly. Funds earn dividends from day of deposit to day of withdrawal, compounded daily and paid monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on this account. Refer to DCU's Truth-In-Savings Disclosure and Account Agreements and Schedule of Fees and Service Charges.

Read all Holiday Savings Account questions/answers

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