Don't Be Caught Short For The Holidays!  Plan For Next Year Now!

• The Holiday Club Account is a perfect way to save for holiday expenses. Through payroll deduction or other regular deposits, members can save systematically and painlessly. HRCCU's Holiday Club includes...
• Payroll Deduction or Direct Deposit.
• Minimum deposit requirement $1.00.
• Holiday Club runs for one year -- October 1 to September 30.
• All HRCCU Holiday Club accounts earn quarterly dividends.
• Deposits can be made at any time of the year.
• Withdrawals can not be made during the year. However, if a withdrawal is needed, the entire amount in the Holiday Club must be withdrawn and a new Club can not be started until the following October. There is a $10.00 fee to close the Club early.
• There are no penalties for not completing the Holiday Club.
• At the end of the Club year, the money is deposited into your HRCCU share draft account on October 1st. If you do not have a share draft account, then it will be deposited into your savings account. This will allow you to access your money quickly using your ATM Card, VISA Check Card, Virtual Branch internet banking account or by calling the HRCCU Audio Response System at
  518-654-7330.
• When the Holiday Club account is paid via payroll deduction/direct deposit and is not closed early, it will automatically renew year after year.
• If the Holiday Club is closed early and is paid through payroll deduction/direct deposit, the member must call to have the account reactivated.