Year-round Budgeting Made Simple

Based on your lifestyle, different times of year may have different savings needs. Whether it’s the added expenses of summer vacations or winter holidays, or due to inconsistent income from weather-dependent work or seasonal employment – it’s important to find the budgeting tools and savings accounts that work for you. 

Here are some of our special savings accounts and tools to consider as you plan your unique calendar of financial needs. And when you're ready to open a new share or certificate, simply connect with a representative or use the "Add a Share/Certificate" feature in digital banking.
 

seasons full color

Holiday Club

If you’re a big spender during the winter holidays, then ‘tis the season to be saving. To start building up savings for gifts, gatherings, and more, you can open a Holiday Club, our special savings account for your end-of-year expenses. Set up regular deposits to Holiday Club savings throughout the year, then the total balance will transfer to your primary savings on November 1st, just in time for your winter expenses! 
 

Summer Savers

A popular savings account for educators and summer vacationers, a Summer Savers is perfect for – you guessed it – saving for summer! If you already have a Summer Savers, your funds will be transferring soon to your primary savings. If you haven’t opened one yet, consider using this summer to track your expenses and plan your Summer Savers for next year!
 

Budget Saver

Exclusively for members ages 18-25 with a Forward Account, we offer a Budget Saver to help manage expenses between a high-earning season and low-earning season. Often, at this stage in life, you could be learning to manage your paycheck and budgeting for the first time. You could be in college, starting a career, or working a job with seasonal dips in income. That’s why we offer our Budget Savers with 3-month or 9-Month disbursement options, to help you establish an annual budget that works for you.

  • 3-Month Disbursement – Nine months of saving, followed by three monthly disbursements
  • 9-Month Disbursement – Three months of saving, followed by nine monthly disbursements
     
Forward account for ages 18-25

Share Certificates

For even better dividends while you’re saving for your financial goals, open a Share Certificate. The funds in your
certificate are locked into a fixed term, which means we can reward you by offering a higher dividend! Plus, the following
share certificates accept additional deposits, making them ideal if you’re building toward planned future expenses and
other time-based savings goals.

  • 3-5 Month Share Certificates – Our shortest terms, offering a great fixed rate!
  • 42-Month Variable Share Certificates – This longer-term certificate has a competitive variable rate to encourage continuous savings while satisfying your desire to earn more dividends.
  • Lucky Savers* – This certificate features a 12-month term, minimum initial deposit of just $25, and opportunities to win monthly and quarterly cash prizes up to $5,000 when you make qualifying deposits of $25 or more. *Details at visionsfcu.org/luckysavers.
  • Youth Share Certificates** – With a minimum initial deposit of $25 and a joint owner on the certificate, our Youth Share Certificate allows members with a Focus Account for ages 13-17 to earn dividends with a 12-month term at a great rate. Learn more.
     


Looking for more savings options with great dividend rates? 
Check out our Share Certificates and Flex Money Market. 
 

Why It Matters

Our financial products and services aim to support your financial well-being so you can truly enjoy the things that are most important to you. 

Remember, your financial well-being can impact your enjoyment of a season, your close relationships, and even your overall health and wellness. If any certain season consistently begins or ends with financial anxiety, we encourage you to take whatever time is needed to build it into your annual budget – or review your personal finances with an expert. We’re here to help. 

To discuss your savings or financial well-being, visit your local branch or call us at 800.242.2120. 
 

Savings accounts Deposits and transfers Current rates

 
This article first appeared in MoneyMatters Magazine. Click here to continue reading our current publication! 
 

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