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Savings Accounts

A little saved now can mean less stress later.

A car repair. The holidays. A trip you want to enjoy without bringing home a big credit-card balance.

Whatever you’re preparing for, you don’t have to save it all at once. Start with what you can, keep adding when possible and build from there.

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What are you saving for?

You may want one place for unexpected expenses and another for something you’re looking forward to. Keeping that money secure can make it easier to see your progress and avoid spending it on something else.

Alcon Employees FCU offers several ways to save:

  • Everyday savings

  • Holiday savings

  • Vacation savings

  • Higher-earning savings for larger balances

Tell us what you’re working toward. We’ll explain the choices and help you find the account that fits.

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Savings Account

Your first step as an Alcon Employees FCU member.

Your Savings Account establishes your membership and gives you a place to begin building a financial cushion.

It includes:

  • A $5 Minimum Balance

  • Dividends paid on your savings

  • An ATM Card

  • Up to three free withdrawals each month

Dividends are money the credit union adds to your account based on your balance and the current rate.

A good fit if: You want an everyday savings account and access to everything your Alcon Employees FCU membership offers.

Start Saving
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Holiday Savings Account

Give the holidays their own place in your budget.

Holiday expenses can sneak up on you. Setting money aside throughout the year can help you pay for gifts, travel, meals and traditions without putting everything on a high-interest credit card.

It includes:

  • No minimum balance

  • Online transfers

  • A separate place to track your holiday savings

A good fit if: You want to prepare for the holidays a little at a time.

Start Holiday Savings
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Vacation Savings Account

Enjoy the trip without worrying about the bill afterward.

Saving before you travel can help cover transportation, lodging, food and the moments you don’t want to miss.

It includes:

  • No minimum balance

  • Online transfers

  • A separate place to see your vacation savings grow

A good fit if: You want to set money aside for a trip without mixing it with everyday spending.

Start Vacation Savings
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High Yield Savings Account

Help a large balance earn more.

If you already have at least $5,000 in savings, a High-Yield Savings Account may help your money earn more while keeping it available when you need it.

It includes:

  • A $5,000 minimum balance

  • A higher dividend rate

We’ll show you the current rate, explain how your earnings are calculated and help you compare this account with your other savings options.

A good fit if: You have at least $5,000 to save and want to earn more without locking money away for a set amount of time.

See Current Rates

Not sure where to begin?

Start with what you want the money to do.

Are you trying to:

  • Build a cushion for something unexpected?

  • Prepare for holiday spending?

  • Save for a trip?

  • Earn more money you’ve already saved?

  • Created separate accounts for different goals?

You don’t need a perfect savings plan. Tell us what you’re working toward, and we can help you find a practical place to start.

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Savings Account Questions

  • Your regular Savings Account requires a $5 minimum balance and a one-time $1 membership fee. Holiday and Vacation Savings do not have minimum-balance requirements. High-Yield Savings requires at least $5,000.

  • Dividends are money paid into your savings account based on your balance and the account’s current rate. Rates can change, so check our current rates or ask us what your account is earning.

  • Contact us, and we’ll help you set up the accounts that fit your needs. Separate accounts can make it easier to keep track of money saved for different purposes.

  • Yes. You can transfer money into those accounts online.

  • Yes. The account includes up to three free withdrawals each month. Ask us about any fees or limits that may apply after that.

  • Yes. Your savings at Alcon Employees FCU are federally insured by the National Credit Union Administration within applicable limits.

  • If you’re already a member, contact us to open another savings account. If you aren’t a member yet, we’ll help you open your membership Savings Account and explain what comes next.

Progress can start small.

You don’t need to save everything today. You just need a place to begin.

Tell us what you’re preparing for. We’ll help you choose an account, understand how it works and see your progress more clearly.

See Your Options