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 However, if a withdrawal is needed, the entire amount in the Holiday Club must be withdrawn and a new Club can not be started until the following October.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.