Holiday Club
Tuck money away for the holiday season without thinking about it. Set up a payroll deduction and let it build.
See Current Rates for today’s figures.
Saving for Something Dated
A club account keeps money for one purpose separate from everything else, which makes it much harder to spend by accident. Fund it by payroll deduction, weekly or monthly, and the balance is there when the holidays arrive.
What You Should Know
Payroll Deduction
Fund it straight from your pay, weekly or monthly. It adds up quickly.
Open With One Cent
A minimum balance of $0.01 is required at all times.
Three Ways to Open
Open online, at a branch, or over the phone.
Disbursement Date
Funds transfer automatically each October to your designated Waypoint deposit account.
Early Withdrawal
A $10 Club Account Early Withdrawal fee applies.
What You Will Need
- Waypoint membership
- A minimum balance of $0.01 is required at all times, which keeps the account open and active.
- More than one club account can be held at the same time
- Payroll deduction is optional
Current Rates
Kasasa Cash
As high as
3.50%APY¹
Kasasa Saver
As high as
3.00%APY¹
Check 24
As high as
3.00%APY¹
Youth Super Saver
As high as
4.00%APY¹
APY = Annual Percentage Yield. Rates effective October 1, 2026 and subject to change without notice. Kasasa Cash rate applies to balances up to $15,000 when certain criteria are met. Kasasa Saver rate applies to balances up to $50,000 when certain criteria are met. Youth Super Saver rate applies to the first $10,000 on deposit. Check 24 rate applies to the first $2,500 on deposit. See product pages for full details.
Open an AccountView all savings and deposit account rates
| Account Type | APY | Minimum Required Balance |
|---|---|---|
| Share Savings | 0.05% | N/A |
| Share Club | 0.05% | N/A |
| Health Savings | 0.25% | N/A |
| IRA Share | 0.10% | $50 |
| Youth Super Saver | 4.00% | N/A |
| Kasasa Saver: Qualified, below cap | 3.00% | N/A |
| Kasasa Saver: Qualified, over cap | 1.50% | $50,000 |
| Kasasa Saver: Non-qualified | 0.05% | N/A |
| Kasasa Cash: Qualified, below cap | 3.50% | N/A |
| Kasasa Cash: Qualified, over cap | 0.30% | $10,000 |
| Kasasa Cash: Non-qualified | 0.05% | N/A |
| Nonprofit Money Market: Tier 1 | 0.30% | N/A |
| Nonprofit Money Market: Tier 2 | 3.00% | $10,000 |
| Nonprofit Money Market: Tier 3 | 3.50% | $100,000 |
| Money Market: Tier 1 | 0.10% | $2,000 |
| Money Market: Tier 2 | 0.15% | $25,000 |
| Money Market: Tier 3 | 0.20% | $50,000 |
| IOLTA Checking | 0.75% | N/A |
| Check 24 | 3.00% | N/A |
| Health Savings Account Money Market: Tier 1 | 0.25% | <$1999.99 |
| Health Savings Account Money Market: Tier 2 | 2.50% | $2,000 – $9,999.99 |
| Health Savings Account Money Market: Tier 3 | 3.00% | $10,000 – $24,999.99 |
| Health Savings Account Money Market: Tier 4 | 3.50% | $25,000+ |
Common Questions
Funds are transferred automatically in early October to the Waypoint deposit account you designate.
Set up a payroll deduction, weekly or monthly, and it builds without you thinking about it.
Yes, but an early withdrawal is subject to a $10 fee.
Not sure which fits? Ask a Waypoint Credit Union representative
A Waypoint Credit Union representative will compare the options against what you are actually trying to do, including the ones we do not advertise heavily. Open online, or book a time at any Waypoint branch.
Important Disclosures
Federally insured by NCUA.
APY = Annual Percentage Yield. Rates are accurate as of 16 September 2026, are variable, and may change after the account is opened. Fees may reduce earnings.
Kasasa Cash and Kasasa Saver rates depend on meeting the monthly qualifications. Cycles that do not qualify earn the stated non-qualified rate.
Youth Super Saver: the stated rate applies to the first $10,000 on deposit. Check 24: the stated rate applies to the first $2,500 on deposit.
Health Savings Account: special rules govern the use of HSA funds, withdrawals and deposit limits. See a Waypoint representative for an account agreement and additional disclosures, and see your tax advisor about the tax advantages and liabilities of an HSA.