At SDCFCU club accounts are designed to help members save throughout the year for specific events. There are no minimum balances. And with no regulations on deposits - you can save as much as you'd like as fast as you'd like!

Features included in the Club Account include:

• $25.00 initial deposit
• No minimum balance required
• A competitive dividend rate
• Accounts maintaining an average daily balance of $100 during any given quarter will earn declared dividends for that quarter
• Deposits can be made over the counter, via church depository, by mail, by payroll deduction.
• Quarterly statement
• Payroll deduction for convenient automatic deposits

Christmas Club

• Withdrawals are not encouraged. Christmas club account members are allowed one (1) withdrawal with a penalty fee of $5.00. The second withdrawal will result in the account being closed with a penalty of $15.00.
• There no penalties for withdrawals in November and December
• The balance in your Christmas Club will be automatically transferred to the share savings account in November.
• The terms and conditions of the Christmas Club shall be automatically renewed each year unless otherwise notified by the Credit Union or closed by the member.

Vacation Club

• Vacation club may withdraw the balance of the account at any time, penalty free, for said purposes.
• Even with zero balance, members may elect to keep Vacation Club accounts open and active, so you can prepare for your next vacation.