Start Building Your Holiday Budget Today

Flexibility for increasing savings throughout the year. Our Holiday Club Account helps you set aside money for seasonal expenses, making the holidays more enjoyable with less financial stress.

Escondido Federal Credit Union's Holiday Club Account offers flexibility for building up savings. We have many options in setting up automatic monthly transfers to your Holiday Club Account, and can even arrange for part of your direct deposit to be automatically set aside into your Holiday Club Account. Of course, you can also drop by one of our branches and make a deposit to your Holiday Club Account, as well.

Open Account Current Rates

Spotlight on Holiday Club Account

  • Dividends calculated daily and compounded (paid) monthly
  • A dividend rate higher than for-profit financial institutions when you keep at least $50 in the account
  • No monthly fee when a low minimum balance requirement is met: $1 for the Holiday Club Account
  • Anytime access by phone (ARTS line) and online banking for balances and transfers
  • NCUA insured up to $250,000 for complete peace of mind
  • Funds will be transferred automatically to your Regular Share Account on or about November 1 each year
  • Set up automatic monthly transfers from your checking account

How Holiday Club Accounts Work

Open Your Account

Start with as little as $1 to open your Holiday Club Account.

Build Your Savings

Set up automatic transfers or make deposits throughout the year.

Watch Your Money Grow

Earn competitive dividends calculated daily and paid monthly.

Automatic Payout

Funds transfer to your Regular Share Account on November 1, just in time for holiday shopping.

Important Information

While your Holiday Club Account is designed to help you save for the holidays, we understand that unexpected needs may arise. Please note the following regarding early withdrawals:

Withdrawal of funds will result in an Early Holiday Club Withdrawal Fee as disclosed on our Account Fees Schedule. Upon the second withdrawal, the account will be closed and the remaining funds will be transferred to your Regular Share Account.