Share Savings Accounts

When you become a member of the credit union a savings account is opened in your name. All members must maintain a $25 balance in their savings account to remain a member, and demonstrate regular activity in their account to keep it open.

Other features of Regular Savings include:

  • A competitive dividend rate paid quarterly on the average daily balance in your savings account 
  • Online access to your account
  • Quarterly statements by mail or e-statements
  • Payroll deduction: You may have deposits to your savings account deducted directly from your paycheck.


If you have any other questions about regular savings accounts at Habersham FCU, contact us.


Christmas Club Accounts

The Holidays are meant to be happy times, not stressful times, and one way to help alleviate the stress is to have your holiday shopping money ready before it’s time to shop.  A Christmas Club account keeps your funds separate from your other savings, and having the separate account can motivate you to put money aside specifically for Christmas shopping later.  You can make deposits regularly with payroll deduction or at your convenience. If you’re not already in the Club, start your Christmas Club savings account today.

Features included with Christmas Club accounts:

  • A competitive dividend rate
  • Online access to your account
  • No minimum balance required
  • Quarterly statement
  • Payroll deduction for convenient automatic deposits
  • Deposits via in-person at any of our branches or by mail


Please contact us if you have any questions about Club accounts.


Savings Rates

Account Type Minimum Opening Deposit Minimum Balance To Earn APY* Limitations** Dividend Rate Annual Percentage Yield*
Regular Share Account $25.00 $51.00 N/A 0.15% 0.15%
Christmas Club Share Account N/A N/A Transfer & Withdrawal 0.25% 0.25%
Special Share Savings Account N/A N/A N/A 0.15% 0.15%
IRA Account N/A N/A N/A 0.50% 0.50%
1 Year Share Certificate $500.00 $500.00 N/A Call For Latest Rate
**Dividends will be compounded quarterly and will be credited quarterly. Average Daily Balance.
Account Type Minimum Opening Deposit Minimum Balance To Earn APY* Limitations** Dividend Rate Annual Percentage Yield*
Basic Share Draft Account N/A N/A N/A 0.05% 0.05%
Premium Share Draft Account $500.00 $500.00 N/A 0.10% 0.10%
**Dividends will be compounded monthly and will be credited monthly. Average Daily Balance.
Account Type Minimum Opening Deposit Minimum Balance To Earn APY*
Regular Share Account $25.00 $51.00
Christmas Club Share Account N/A N/A
Special Share Savings Account N/A N/A
IRA Account N/A N/A
1 Year Share Certificate $500.00 $500.00
Account Type Limitations** Dividend Rate Annual Percentage Yield*
Regular Share Account N/A 0.15% 0.15%
Christmas Club Share Account Transfer & Withdrawal 0.25% 0.25%
Special Share Savings Account N/A 0.15% 0.15%
IRA Account N/A 0.50% 0.50%
1 Year Share Certificate NA Call For Latest Rate
**Dividends will be compounded quarterly and will be credited quarterly. Average Daily Balance.
Account Type Minimum Opening Deposit Minimum Balance To Earn APY* Limitations** Dividend Rate Annual Percentage Yield*
Basic Share Draft Account N/A N/A N/A 0.05% 0.05%
Premium Share Draft Account $500.00 $500.00 N/A 0.10% 0.10%
**Dividends will be compounded monthly and will be credited monthly. Average Daily Balance.
Account Type Minimum Opening Deposit Minimum Balance To Earn APY*
Basic Share Draft Account N/A N/A
Premium Share Draft Account $500.00 $500.00
Account Type Dividend Rate Annual Percentage Yield*
Basic Share Draft Account 0.05% 0.05%
Premium Share Draft Account 0.10% 0.10%
**Dividends will be compounded monthly and will be credited monthly. Average Daily Balance.

Savings Calculator

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