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Savings Accounts

Start Saving for the Future
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Put your hard-earned money to use 

We have a variety of accounts tailored to meet your savings goal.

A savings account is a great way to build a nest egg to prepare for unplanned expenses or life events. We also offer options that will help you prepare for retirement. Whatever the case may be, opening a savings account is a great option. Your funds will be insured by the National Credit Union Administration up to at least $250,000.

Savings Account

For as little as $5.00, you can establish a membership savings account, and become part of our credit union family. Your account will earn dividends if the minimum balance requirements are met. You can also open additional savings accounts to help you achieve your financial goals.

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Dreamer Accounts

If you want to earn a higher rate without sacrificing flexibility, then you can open a Dreamer account which is our version of a money market. The dreamer will typically yield a higher rate than a traditional savings account but allows you to access funds of a limited basis without a penalty.

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Christmas Club

Christmas Club accounts are exactly what they sound like. They are great for end-of-the-year savings goals. Opening a Christmas Club is a great opportunity to save money in a high-interest account, and prevent the urge to spend those funds before the end of the year! You can either deposit money manually or set up automatic transfers or deposits. Funds at Credit Union of Richmond typically release into the savings account in the first week of October. Taking money out before this date will incur a fee, so budget wisely.

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