Club Accounts

Holiday or Vacation Club Accounts Get You Saving

If a systematic savings plan fits your needs, you will love our Club Accounts! A Ridgedale Federal Credit Union Club Account makes saving for your goal a breeze. You can make deposits into your Club Account throughout the year, giving yourself a head start on holiday shopping or your vacation plans. Make your deposits via payroll deduction or occasionally deposit funds as your budget allows. Before you know it, you will have saved for what you want!

You can join RFCU through our partnership with the Financial Fitness Association (FFA) or as a Novartis Pharmaceuticals employee or contractor.

Benefits

Earn dividends
No monthly service charge

No minimum balance required
Request a transfer into your savings or checking at any time

To learn more about our Club Accounts or to open an account with us, please visit our branch location or call us at 973-947-1000 ext. 105. We look forward to assisting you with all of your banking needs.

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Rates and Disclosures

Club Accounts

Effective Date: 5/23/2026, Rates Subject to Change

Account Type	Dividend Rate	APY
Holiday Club	0.20%	0.20%
Vacation Club	0.27%	0.27%
CLUB ACCOUNTS: APY=ANNUAL PERCENTAGE YIELD. MINIMUM BALANCE REQUIRED IS $5.00. EARLY CLOSURE FEE IS $10.00. WITHDRAWALS UNDER $200 HAVE A $10.00 FEE. FEES MAY REDUCE EARNINGS. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE.

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