family excited at a party

Save All Year. Stress Less in December.

With our Holiday Club savings account, you’ll earn 3.00% APY* on your savings so you can get ahead of holiday spending.
Open a Holiday Club Savings Account

Turn December Dread Into Holiday Joy

Saving for the holidays shouldn’t mean last-minute scrambling or mountains of credit card debt.

With our Holiday Club Savings account, you can make automatic contributions all year long and receive your full balance on November 1st. That’s just in time for stress-free gift giving, travel or any special event.

You decide how much to save and how to contribute, whether it’s online, by mail, through payroll deduction or in person. However you save, we’ll help your money grow.

See How Much You Could Save

Small deposits add up fast. Use our calculator to estimate how much you could have by November.

Built Around You

Saving is simple with flexible options and member-first features.
Automatic Transfers

Automatic Transfers

Set it and forget it. Schedule contributions from your paycheck or Service CU account.
Flexible Deposit Options

Flexible Deposit Options

Make deposits online, in-branch, by mail or via payroll deduction.
High Dividend Rate

High Dividend Rate

Earn 3.00% APY* on balances up to $3,000.
Stress-Free Disbursement

Stress-Free Disbursement

On November 1, funds can automatically transfer to a Service Credit Union account of your choice, or you can keep the funds in your Holiday Club and keep saving.
Open a Holiday Club Savings Account

Holiday Club Rates

Grow your savings with a top-tier APY and zero hassle.

Holiday Club Rates

Open a Holiday Club Savings Account
Minimum Average Daily Balance Tier Dividend Rate ANNUAL PERCENTAGE YIELD (APY*)
$0.01 – $3,000 Tier 1 2.960% 3.00%
$3,000.01+ Tier 2 0.250% 3.00% – 0.25%
Minimum Average Daily Balance
$0.01 – $3,000
Tier
Tier 1
Dividend Rate
2.960%
ANNUAL PERCENTAGE YIELD (APY*)
3.00%
$3,000.01+
Tier
Tier 2
Dividend Rate
0.250%
ANNUAL PERCENTAGE YIELD (APY*)
3.00% – 0.25%

Holiday Club Savings Account FAQs

Not sure how it works? We’ve got answers.

Is there a cap on how much I can save?
You’ll earn 3.00% APY on balances up to $3,000. Balances above that earn 0.25% APY.*
Can I make deposits automatically?
Absolutely. Use online transfers, payroll deductions, or set up recurring contributions.
Do I have to be a Service Credit Union member to open this account?
Yes, you must be a member of Service Credit Union or establish membership with $5 in a Primary Savings Account.
How do I access my money?
On November 1, your Holiday Club balance is transferred to the Service Credit Union account you chose when you initially opened the Holiday Club. You can also withdraw from the account year-round.
What can I use my Holiday Club savings for?
Anything! While most members use it for holiday spending, it’s also great for vacations, big events, or year-end bills.
*Annual Percentage Yield (APY) is accurate as the last dividend declaration date of 07/01/2025 and subject to change without notice. Dividends paid on daily balances of $3,000 and less at 3% APY. If daily balance exceeds $3,000, the remaining balance will receive a variable APY of 3.00%-0.26%. On the first day in November, funds are disbursed via transfer to a Service CU account of your choosing at time of account opening. One Holiday Club account allowed per tax reporting owner. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.