You can count on us for savings accounts that make it easier to reach your goals with competitive dividends and seasonal saving options. We make sure the money you save works hard for you so you can get the most out of your life. Plus, you can enjoy peace of mind knowing that your funds are insured up to $250,000 by the National Credit Union Administration (NCUA).


Membership Savings Account
Earn monthly dividends on the money you save and keep your savings growing with a Membership Share Savings Account! We call our basic savings account a Membership Savings Account because this account establishes your membership with VA Desert Pacific Federal Credit Union. You might also hear us refer to your savings account as a share account. That’s because opening this account makes you a “shareholder” in the credit union.
 
  • Minimum opening deposit of $60.00
  • Tiered dividend rates based on account balance, with dividends paid monthly
  • Earns a higher dividend when the balance is greater than $10,000
  • ATM card to make deposit and/or to withdraw your funds
  • Quarterly E-Statements, unless you have ACH or ATM activity associated with this account 
Once you’re a member of the credit union, your family members can open a Membership Savings Account too! This account is a great basic savings account for anyone: your spouse, parents, grandparents, children or grandchildren.

Christmas Club Savings Account 
Make the holiday season less stressful with a Christmas Club Savings Account! We designed this account specifically to help you set money aside throughout the year so that you have it when you need it. A Christmas Club Savings Account protects your funds from early withdrawal by keeping them separate from your regular savings. Save money each month for Christmas gifts, holiday travel, or other winter expenses.
 
  • Open enrollment is from November 1 to January 31 of each year
  • Minimum opening deposit of $10
  • No monthly or annual service fee
  • Earns a higher dividend than a regular Membership Savings Account
  • Funds will be deposited to your checking or savings account on November 1
  • Make monthly deposits with payroll deduction or automatic transfer
  • Make additional deposits at any time 
You must have $50 in a Membership Savings Account to open a Christmas Club Savings Account.

Vacation Savings Account 
Make next summer your best summer ever with a Vacation Club Savings Account! This account helps you save money throughout the year in preparation for summer expenses by protecting your funds from early withdrawal and keeping them separate from your regular savings. Use the money you save for a vacation, summer activities for the kids, or any other seasonal need.
 
  • Open enrollment is from June 1 to August 31 of each year
  • Minimum opening deposit of $10
  • No monthly or annual service fee
  • Earns a higher dividend than a regular Membership Savings Account
  • Funds will be deposited to your checking or savings account on June 1
  • Make monthly deposits with payroll deduction or automatic transfer
  • Make additional deposits at any time 
 
To open an account, please complete the account application form and bring your documentation to the nearest VA Desert Pacific Federal Credit Union branch.

Money Market Account
Earn even higher monthly dividends on the money you save while continuing to enjoy full access to your funds!
 
  • Minimum opening deposit of $2,500
  • Tiered dividend rates based on account balance, with dividends paid monthly
  • Access to your funds via checks or ATM/Debit card
  • Up to 6 withdrawals per month*
  • Quarterly E-Statements, unless you have ACH or ATM activity associated with this account
*Money Market Accounts are governed by Regulation D, limiting the number of withdrawals each month
Term Certificate
Let one of our Term Certificates and their exceptional dividend rates work harder for your money.
 
  • Minimum opening deposit of $2,500
  • Share and IRA Term Certificates available
  • Flexible terms to meet your own personal needs
  • Choose what happens to your money upon your Certificate's maturity. We'll be sure to give you enough time to make the decision that best suits your needs
Investing your money with us has its rewards. Remember that any early withdrawal may result in penalties.










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