SMCU features several options—enhanced by competitive rates—that enable you to save money to meet your specific financial goals.
BENEFITS
- Dividend earning account
- Free access to SMCU Online (home banking)
- Convenient access to your funds: in person, by phone, at ATMs and via Call-24
- Free optional overdraft protection for your checking account
- All funds are federally insured to at least $100,000 by the NCUA, a U.S. government agency
- No monthly fees or charges*
*$50 minimum balance required to avoid $5 monthly service fee.
Exciting and festive – that’s what the winter season is all about. On the flip side, it’s also a time of additional expenses.
To help ensure that you keep the ho-ho-ho in your holidays, SMCU is pleased to offer the Holiday Club Savings Account, a special service exclusively for credit union members. It’s your opportunity to plan, prepare, and save for the holidays while earning dividends higher than a traditional share account.
How the Holiday Club Savings Account Works
- Throughout the year, you can make unlimited deposits: a set amount every week or month…a fixed portion of your payroll check…whatever you choose.
- Dividends are calculated and compounded daily, maximizing your earnings.
- Every year on November 1, all the funds in the account are automatically transferred to your SMCU checking account. If you prefer, we’ll cut you a check for the entire amount.
- All it takes is a minimum deposit of $25 to open your account.
- There are no annual fees.
This is a great way to avoid slipping into debt during the holidays. Use the money for gifts, entertaining, travel, or to enjoy a sun-drenched getaway.
To open your SMCU Holiday Club Savings Account, call DirectAssist at (650) 363-1725 or (888) 363-1725, or visit a branch.
Click here for information about our Youth Savings Accounts.
Click here to access our Savings Calculators.
