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		Savings accounts What do you look for in a savings account? A competitive rate? Easy access to your money? A plan that helps you keep your savings intact? A combination of all three? Whatever your reason for saving, you have choices at Vantage Credit Union. We offer numerous ways to save and earn a competitive return on your money. And, you deposits are federally insured up to $100,000 by the NCUA. Regular Savings Account You automatically receive a Regular Savings Account when you open your Vantage Credit Union membership. This savings account pays different rates based on your account balance. Characteristics: Interest compounded and credited monthly Competitive rates No minimum balance requirement Access your funds, via ATM and online banking Special Savings Account Use our Special Savings Account for a variety of savings needs. Some members like to open this separate savings account for specific needs, such as an “emergency fund” or a “house account” for unexpected repairs. Characteristics: Save for a special purpose Interest compounded and credited monthly No minimum balance requirement Sign up for a Special Savings Account Holiday Club Savings Account This is a special type of savings account designed for people who like to routinely set aside a fixed amount of money for future holiday purchases. In mid-October, the entire balance saved in this account is disbursed automatically to your Vantage Credit Union checking or Regular Savings Account, by automated transfer. Characteristics: Set aside a fixed amount each pay period for future holiday purchases Interest compounded and credited quarterly Funds released in mid-October No minimum deposit or balance requirement Make deposits in person, via mail, direct deposits or transfers Sign up for a Holiday Club Savings Account Premier Money Market Account Our Premier Money Market Account provides members with a higher-yielding savings option, without compromising convenience or security. Our money market account pays different rates based on your account balance. Characteristics: Interest compounded and credited monthly Competitive rates $1,000 minimum balance to open $10,000 daily balance requirement to avoid service fee No more than six withdrawals or transfers per month allowed, with a limit of three withdrawals or transfers by check No minimum or maximum dollar withdrawal amount Sign up for a Premier Money Market Account For more information about the fees and transaction limitations for each type of Vantage Credit Union savings account, please ask for the appropriate account disclosure. Important savings account withdrawal limitations information regarding Federal Regulation D: Federal regulation prohibits you and any joint owner from making more than six (6) transfersor withdrawals each month, from your Regular Savings, Special Savings, Holiday Club Savings, or Premier Money Market Account by the following means: Pre-authorized or automatic transfers/withdrawals Telephone transfers Touch Tone Teller transfers Vantage Credit Union Online transfers No more than three (3) of the six (6) may be made by check on the Premier Money Market account If transactions exceed six (6) per month as outlined above, your account will be subject to termination of access devices. After the limit of six (6) Regulation D classified transactions (per month), additional Regulation D transfers from your account will not be completed. In reference to Federal Regulation D, regarding your Regular Savings, Special Savings, Holiday Club Savings and Premier Money Market Account, you can make unlimited transfers by the following means: Transfers to a Vantage Credit Union loan account Transfers or withdrawals made at an ATM from Regular Savings Transfers or withdrawals made in person (at one of our branch locations) Top of Page
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