Give your next goal a place to grow.
Some expenses are easier to plan for when the money has a purpose. An HHCU Club Account helps you set aside savings for the things you know are coming, from a holiday shopping list to your next getaway.
- Save with a purpose
Keep money for a planned expense separate from your everyday spending.
- Earn along the way
Earn dividends as you build your savings. See current rates below.
- Your goal, your timeline
Use a standard Club Account for a variety of savings goals.
Make room for your plans.
Celebrate
Holiday expenses
Plan ahead for gifts, gatherings, and the traditions that make the season yours.
Explore
Vacations & getaways
Set aside money for a family trip, a weekend away, or the destination on your wish list.
Prepare
Planned purchases
Build toward new furniture, a special occasion, or another expense you want to be ready for.
Earn dividends along the way.
See the current annual percentage yield (APY) and dividend rate for your Club Account below.
| Type | APY | Dividend Rate |
|---|---|---|
| Regular Savings | 0.10% | 0.10 |
| Club Accounts** | 0.10% | 0.10 |
| Goal-Based Savings | 0.00% | 0.00 |
*Fees may reduce earnings on the account. *Rates may change after the account is opened. *$5 minimum balance required to open account. *$0.01 minimum balance required to earn APY. *Dividends are calculated quarterly and paid quarterly. **Club Account rates apply to all Club Accounts, including our retired “Christmas Club” and “Vacation Club” accounts, unless otherwise stated. Rates effective as of 11/2/2026 | ||
A few helpful answers
Club Account FAQs
Have a question about your savings goal? We’re here to help.
Contact usWhat can I save for with a Club Account?
You can set money aside for holiday expenses, a vacation or another planned purchase. Choose the goal that matters to you and give those savings a dedicated place.
Do Club Accounts earn dividends?
Yes. See the Club Accounts row in the current Club Account rates above for the APY, dividend rate and related disclosures.
What should I know before opening an account?
Our team can walk you through the opening requirements, any applicable fees, and how to add or withdraw money, so you can decide how a Club Account fits your plans.
How do I get started?
Contact HHCU or visit a local Service Center to ask about opening a Club Account. We’ll help you with the next step.
Your next goal starts here.
Ready to set something aside? Talk with our team about opening a Club Account and putting a plan in place for what’s next.
Prefer to speak with a Team Member? Call us at 800.865.2612