Club Accounts

Our Club Accounts are designed to help you save money gradually to ensure you have the cash you need, when you need it.

Holiday Club

Save for the holidays with a Holiday Club Account. Set money aside through the year, and in October we will transfer the funds to your savings or checking account. You can use your Holiday Club savings to make it a holiday to remember!

Vacation Club

You work hard all year, and you deserve a vacation! Save cash year-round, and in June we will transfer the funds to your savings or checking account so you can use the money to plan that dream vacation.

To best help you save and earn as high a return as possible, there are limited withdrawals allowed on Club Accounts.

Share (Savings)30.10%0.10%
Holiday Club0.10%0.10%
Vacation Club0.10%0.10%
Special Savings0.10%0.10%
Experience Checking50.10%0.10%
HD Checking62.00%2.02%
1 Dividend Rate 2Annual Percentage Yield. All APYs are accurate as of 10/1/16. 3 The minimum opening deposit amount is $1. Minimum $25 to earn dividends. Dividends paid quarterly. The minimum daily balance to earn posted dividends on a savings for an account with the primary account holder over the age of 25 is $500. 4 Member must deposit $5 at time of account opening. The credit union may limit the number of accounts at its discretion Penalty for early withdrawal of 6 months dividends (less if account is closed prior to 6 months). All funds added to the account must be through automatic deposit (either ACH or auto account transfer). Additional funds may not be deposited through online banking or in branch. Member chooses disbursement date and account to which funds will be disbursed. Terms maybe 6 mo. to 5 yr. in duration. 5Experience Checking is for members age 50+ and a $1000 minimum balance is required to earn dividends. Certificates held by Experience Members earn 10 basis points over the current certificate rate upon renewal 6No minimum balance requirement. APY (Annual Percentage Yield) earned upon meeting minimum average daily balance of $1,000 or more, minimum of $250 in debit card purchases posted within the calendar month, one electronic (ACH) deposit and monthly use of Online Banking, eStatements and BillPayer (inactivity fees may apply). All requirements must be met on the same account. Dividends of 0.10% APY will be paid on non-qualifying accounts and on any portion of the average daily balance above $25,000. Fees may reduce earnings. One account per SSN. Contact Credit Union for details. Federally Insured by the NCUA.

Safety and Security

At our Credit Union, members’ shares (deposits) are insured by the National Credit Union Share Insurance Fund. The NCUSIF is an arm of the National Credit Union Administration, or NCUA, which is a federal government agency. Currently, properly established share accounts in federally-insured credit unions are insured up to $250,000. In April 2006, insurance coverage on certain retirement accounts, such as IRAs and Keoghs, was raised to $250,000.

In addition to insurance through the NCUSIF, Widget Financial is one of only 13 credit unions in Pennsylvania that provides all of its members with the benefit of Excess Share Insurance. Widget Financial provides $250,000 of additional private insurance on accounts that exceed the maximum level of insurance coverage provided by the National Credit Union Administration. Therefore, members are automatically insured up to $500,000 per account at no cost.

We are proud to offer this extensive level of safety and security to each of our members. Please contact us if you have additional questions about the level to which your deposits are insured.