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You are viewing savings rates in Tallahassee, Florida

Tallahassee, Florida Credit Union Savings Rates 2020

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Tallahassee, FL - June 3, 2020

Savings Account National Average Rate: 0.14% ?

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Credit Unions APY Vs.
Nat'l
Av.
MIN Miles?
American Airlines
Restrictions
1.01% 7.48x $1 4614.40 Learn More
0.80% 5.93x $2,500 5081.41 Learn More
0.75% 5.56x $10,000 4808.23 Learn More
Fairwinds
Restrictions
0.75% 5.56x $10,000 4746.40 Learn More
0.70% 5.19x $25,000 4748.19 Learn More
0.65% 4.81x $10,000 4748.19 Learn More
0.65% 4.81x $10,000 5056.89 Learn More
Trugrocer
Restrictions
0.65% 4.81x $25,000 4746.14 Learn More
Power Financial
Restrictions
0.65% 4.81x $2,500 4622.69 Learn More
Ficare
Restrictions
0.60% 4.44x $25,000 4780.44 Learn More
0.60% 4.44x $1 4748.19 Learn More
Pen Air
Restrictions
0.60% 4.44x $25,000 5082.00 Learn More
0.60% 4.44x $2,500 5056.89 Learn More
All In
Restrictions
0.60% 4.44x $1,500 5033.39 Learn More
Alive
Restrictions
0.56% 4.15x $25,000 4801.78 Learn More
Ficare
Restrictions
0.50% 3.70x $10,000 4780.44 Learn More
City & Police
Restrictions
0.50% 3.70x $25,000 4801.85 Learn More
Community
Restrictions
0.50% 3.70x $25,000 4705.57 Learn More
Guardians
Restrictions
0.50% 3.70x $25 4823.85 Learn More
Alive
Restrictions
0.46% 3.41x $2,500 4801.78 Learn More
Eglin
Restrictions
0.45% 3.33x $25,000 5048.56 Learn More
Pen Air
Restrictions
0.45% 3.33x $2,500 5082.00 Learn More
Jm Associates
Restrictions
0.45% 3.33x $2,500 4801.92 Learn More
Community
Restrictions
0.45% 3.33x $2,500 4705.57 Learn More
Envision
Restrictions
0.45% 3.33x $25,000 4937.55 Learn More
Brightstar
Restrictions
0.45% 3.33x $10,000 4619.77 Learn More
0.45% 3.33x $5,000 4939.23 Learn More
Ocala Community
Restrictions
0.45% 3.33x $25,000 4794.66 Learn More
0.40% 2.97x $25,000 4619.42 Learn More
Eglin
Restrictions
0.40% 2.96x $2,500 5048.56 Learn More
Ficare
Restrictions
0.40% 2.96x $2,500 4780.44 Learn More
Coastline
Restrictions
0.40% 2.96x $25,000 4805.46 Learn More
Trugrocer
Restrictions
0.40% 2.96x $2,500 4746.14 Learn More
Partners
Restrictions
0.40% 2.96x $25,000 4746.08 Learn More
City & Police
Restrictions
0.40% 2.96x $2,500 4801.85 Learn More
0.40% 2.96x $25,000 4778.67 Learn More
0.40% 2.96x $25,000 4809.21 Learn More
Community South
Restrictions
0.40% 2.96x $2,500 5006.93 Learn More
0.40% 2.96x $1,000 4939.23 Learn More
0.40% 2.96x $25,000 4644.44 Learn More
Coastline
Restrictions
0.35% 2.59x $10,000 4805.46 Learn More
People's Alliance
Restrictions
0.35% 2.59x $25,000 4613.32 Learn More
Tampa Postal
Restrictions
0.35% 2.59x $25,000 4782.27 Learn More
Tyndall
Restrictions
0.35% 2.59x $1,000 4996.12 Learn More
All In
Restrictions
0.35% 2.59x $5 5033.39 Learn More
0.35% 2.59x $25,000 4779.14 Learn More
Lake Michigan
Restrictions
0.35% 2.59x $25,000 5829.48 Learn More
0.35% 2.59x $1,000 4778.67 Learn More
0.35% 2.59x $10,000 4809.21 Learn More
Envision
Restrictions
0.35% 2.59x $10,000 4937.55 Learn More
Brightstar
Restrictions
0.35% 2.59x $2,500 4619.77 Learn More
Ocala Community
Restrictions
0.35% 2.59x $10,000 4794.66 Learn More
0.35% 2.59x $20,000 4773.61 Learn More
0.35% 2.59x $10,000 4644.44 Learn More
Vystar
Restrictions
0.35% 2.59x $2,500 4811.85 Learn More
Wings Financial
Restrictions
0.35% 2.59x $5,000 4737.14 Learn More
Gulf States
Restrictions
0.31% 2.30x $25,000 4744.34 Learn More
Eglin
Restrictions
0.30% 2.22x $5 5048.56 Learn More
0.30% 2.22x $25,000 4609.46 Learn More
Jax
Restrictions
0.30% 2.22x $2,500 4809.32 Learn More
Pen Air
Restrictions
0.30% 2.22x $25 5082.00 Learn More
People's Alliance
Restrictions
0.30% 2.22x $2,500 4613.32 Learn More
Geico
Restrictions
0.30% 2.22x $25,000 4757.27 Learn More
Grow Financial
Restrictions
0.30% 2.22x $25,000 4771.83 Learn More
0.30% 2.22x $10,000 4996.05 Learn More
0.30% 2.22x $5 5056.89 Learn More
0.30% 2.22x $25,000 4613.24 Learn More
Partners
Restrictions
0.30% 2.22x $2,500 4746.08 Learn More
0.30% 2.22x $25,001 4824.75 Learn More
Dade County
Restrictions
0.30% 2.22x $5,000 4617.32 Learn More
Platinum
Restrictions
0.30% 2.22x $10,000 4743.99 Learn More
Lake Michigan
Restrictions
0.30% 2.22x $10,000 5829.48 Learn More
0.30% 2.22x $2,500 4809.21 Learn More
0.30% 2.22x $10,000 4619.42 Learn More
0.30% 2.22x $10,000 4773.61 Learn More
Sun
Restrictions
0.27% 2.00x $10,000 4614.28 Learn More
0.25% 1.85x $25,000 4618.51 Learn More
0.25% 1.85x $10,000 4609.46 Learn More
0.25% 1.85x $5 4748.19 Learn More
0.25% 1.85x $100 4615.47 Learn More
Star Usa
Restrictions
0.25% 1.85x $50,000 - Learn More
United Police
Restrictions
0.25% 1.85x $5,000 4605.59 Learn More
Tampa Postal
Restrictions
0.25% 1.85x $10,000 4782.27 Learn More
Innovations
Restrictions
0.25% 1.85x $1,000 5000.82 Learn More
Everence
Restrictions
0.25% 1.85x $1 4762.78 Learn More
Santa Rosa County
Restrictions
0.25% 1.85x $25 5076.34 Learn More
0.25% 1.85x $2,500 4631.78 Learn More
0.25% 1.85x $5,000 4613.24 Learn More
T M H
Restrictions
0.25% 1.85x $5 4936.37 Learn More
0.25% 1.85x $10,000 4779.14 Learn More
Platinum
Restrictions
0.25% 1.85x $1 4743.99 Learn More
Jetstream
Restrictions
0.25% 1.85x $25,000 4617.68 Learn More
0.25% 1.85x $2,000 4793.22 Learn More
First Florida
Restrictions
0.25% 1.85x $2,500 4809.10 Learn More
Lake Michigan
Restrictions
0.25% 1.85x $100 5829.48 Learn More
Bay
Restrictions
0.25% 1.85x $2,000 4991.71 Learn More
0.25% 1.85x $100 4809.21 Learn More
Space Coast
Restrictions
0.25% 1.85x $25,000 4696.13 Learn More
0.25% 1.85x $5 4614.68 Learn More
0.25% 1.85x $2,500 4619.42 Learn More
Adventhealth
Restrictions
0.25% 1.85x $10,000 4743.10 Learn More
0.25% 1.85x $20,000 4621.83 Learn More
Florida Central
Restrictions
0.25% 1.85x $25,000 4779.75 Learn More
0.25% 1.85x $1 4808.23 Learn More
Ocala Community
Restrictions
0.25% 1.85x $2,500 4794.66 Learn More
First Commerce
Restrictions
0.25% 1.85x $25,000 4935.90 Learn More
0.25% 1.85x $1,000 4644.44 Learn More
Suncoast
Restrictions
0.25% 1.85x $25,000 4775.35 Learn More
0.22% 1.63x $10,000 4618.51 Learn More
Sun
Restrictions
0.21% 1.56x $2,500 4614.28 Learn More
Chartway
Restrictions
0.20% 1.48x $25,000 4785.47 Learn More
0.20% 1.48x $2,500 4618.51 Learn More
0.20% 1.48x $2,500 4609.46 Learn More
Gte
Restrictions
0.20% 1.48x $10,000 4778.01 Learn More
Tallahassee-leon
Restrictions
0.20% 1.48x $25,000 4939.20 Learn More
Geico
Restrictions
0.20% 1.48x $10,000 4757.27 Learn More
Innovations
Restrictions
0.20% 1.48x $100 5000.82 Learn More
Grow Financial
Restrictions
0.20% 1.48x $10,000 4771.83 Learn More
0.20% 1.48x $1 4996.05 Learn More
0.20% 1.48x $2,500 4756.74 Learn More
0.20% 1.48x $2,500 4613.24 Learn More
0.20% 1.48x $10,001 4824.75 Learn More
Coral Community
Restrictions
0.20% 1.48x $25,000 4615.78 Learn More
Dade County
Restrictions
0.20% 1.48x $2,500 4617.32 Learn More
0.20% 1.48x $25,000 4777.88 Learn More
Jetstream
Restrictions
0.20% 1.48x $2,500 4617.68 Learn More
Community
Restrictions
0.20% 1.48x $2,500 4705.57 Learn More
0.20% 1.48x $2,500 4621.54 Learn More
0.20% 1.48x $25 5081.41 Learn More
Bay
Restrictions
0.20% 1.48x $25 4991.71 Learn More
Space Coast
Restrictions
0.20% 1.48x $10,000 4696.13 Learn More
0.20% 1.48x $5 4805.69 Learn More
Adventhealth
Restrictions
0.20% 1.48x $2,000 4743.10 Learn More
Community South
Restrictions
0.20% 1.48x $100 5006.93 Learn More
0.20% 1.48x $15 4934.68 Learn More
Florida Central
Restrictions
0.20% 1.48x $2,500 4779.75 Learn More
Ocala Community
Restrictions
0.20% 1.48x $5 4794.66 Learn More
0.20% 1.48x $2,500 4773.61 Learn More
Fairwinds
Restrictions
0.20% 1.48x $25,000 4746.40 Learn More
0.20% 1.48x $5 4644.44 Learn More
0.20% 1.48x $25,000 4934.48 Learn More
0.20% 1.48x $10,001 4788.47 Learn More
Suncoast
Restrictions
0.20% 1.48x $1,000 4775.35 Learn More
Sun
Restrictions
0.17% 1.26x $100 4614.28 Learn More
Gulf States
Restrictions
0.16% 1.19x $10,000 4744.34 Learn More
South Florida
Restrictions
0.15% 1.11x $5 4610.11 Learn More
Chartway
Restrictions
0.15% 1.11x $100 4785.47 Learn More
0.15% 1.11x $50 4609.46 Learn More
Jax
Restrictions
0.15% 1.11x $100 4809.32 Learn More
Star Usa
Restrictions
0.15% 1.11x $2,500 - Learn More
Coastline
Restrictions
0.15% 1.11x $2,500 4805.46 Learn More
Tallahassee-leon
Restrictions
0.15% 1.11x $10,000 4939.20 Learn More
Tampa Postal
Restrictions
0.15% 1.11x $1,000 4782.27 Learn More
Harvesters
Restrictions
0.15% 1.11x $5 5087.62 Learn More
Miami
Restrictions
0.15% 1.11x $1,001 4608.39 Learn More
Mccoy
Restrictions
0.15% 1.11x $1,000 4738.84 Learn More
Everence
Restrictions
0.15% 1.11x $5,000 4762.78 Learn More
0.15% 1.11x $2,500 4631.78 Learn More
0.15% 1.11x $1,000 4824.75 Learn More
Coral Community
Restrictions
0.15% 1.11x $10,000 4615.78 Learn More
0.15% 1.11x $1 4779.14 Learn More
Dade County
Restrictions
0.15% 1.11x $500 4617.32 Learn More
Platinum
Restrictions
0.15% 1.11x $2,500 4743.99 Learn More
0.15% 1.11x $10,000 4777.88 Learn More
Jetstream
Restrictions
0.15% 1.11x $50 4617.68 Learn More
0.15% 1.11x $100 5081.30 Learn More
First Florida
Restrictions
0.15% 1.11x $1 4809.10 Learn More
0.15% 1.11x $100 4778.67 Learn More
Space Coast
Restrictions
0.15% 1.11x $500 4696.13 Learn More
Envision
Restrictions
0.15% 1.11x $1,000 4937.55 Learn More
University
Restrictions
0.15% 1.11x $2,000 4615.28 Learn More
Adventhealth
Restrictions
0.15% 1.11x $50 4743.10 Learn More
First Choice
Restrictions
0.15% 1.11x $1 4627.27 Learn More
0.15% 1.11x $100 4773.61 Learn More
Campus Usa
Restrictions
0.15% 1.11x $10,000 4827.92 Learn More
Fairwinds
Restrictions
0.15% 1.11x $1 4746.40 Learn More
0.15% 1.11x $1,500 4934.48 Learn More
0.15% 1.11x $2,501 4788.47 Learn More
Wings Financial
Restrictions
0.15% 1.11x $5 4737.14 Learn More
Suncoast
Restrictions
0.15% 1.11x $5 4775.35 Learn More
Gulf States
Restrictions
0.11% 0.81x $5 4744.34 Learn More
South Florida
Restrictions
0.10% 0.74x $2,500 4610.11 Learn More
Chartway
Restrictions
0.10% 0.74x $10,000 4785.47 Learn More
Ficare
Restrictions
0.10% 0.74x $500 4780.44 Learn More
0.10% 0.74x $250 4618.51 Learn More
Tampa Bay
Restrictions
0.10% 0.74x $500 4778.44 Learn More
Star Usa
Restrictions
0.10% 0.74x $10 - Learn More
United Police
Restrictions
0.10% 0.74x $2,500 4605.59 Learn More
Tallahassee-leon
Restrictions
0.10% 0.74x $2,500 4939.20 Learn More
People's Alliance
Restrictions
0.10% 0.74x $50 4613.32 Learn More
Mccoy
Restrictions
0.10% 0.74x $50 4738.84 Learn More
Grow Financial
Restrictions
0.10% 0.74x $1,000 4771.83 Learn More
0.10% 0.74x $1,000 4780.08 Learn More
Tyndall
Restrictions
0.10% 0.74x $1,000 4996.12 Learn More
Sunstate
Restrictions
0.10% 0.74x $10,000 4820.11 Learn More
0.10% 0.74x $100 4996.05 Learn More
0.10% 0.74x $5 4756.74 Learn More
0.10% 0.74x $1 4613.24 Learn More
Launch
Restrictions
0.10% 0.74x $2,500 4704.03 Learn More
Trugrocer
Restrictions
0.10% 0.74x $1 4746.14 Learn More
Partners
Restrictions
0.10% 0.74x $1 4746.08 Learn More
0.10% 0.74x $5 4824.75 Learn More
City & Police
Restrictions
0.10% 0.74x $2,500 4801.85 Learn More
0.10% 0.74x $2,000 4777.88 Learn More
Florida
Restrictions
0.10% 0.74x $500 4825.76 Learn More
0.10% 0.74x $1 4621.54 Learn More
121 Financial
Restrictions
0.10% 0.74x $100 4801.95 Learn More
Alive
Restrictions
0.10% 0.74x $1 4801.78 Learn More
0.10% 0.74x $100 4619.42 Learn More
Brightstar
Restrictions
0.10% 0.74x $25 4619.77 Learn More
University
Restrictions
0.10% 0.74x $5 4615.28 Learn More
0.10% 0.74x $300 4621.83 Learn More
Guardians
Restrictions
0.10% 0.74x $1,000 4823.85 Learn More
Baxter
Restrictions
0.10% 0.74x $25,000 4617.01 Learn More
First Commerce
Restrictions
0.10% 0.74x $10,000 4935.90 Learn More
Fairwinds
Restrictions
0.10% 0.74x $50 4746.40 Learn More
Power Financial
Restrictions
0.10% 0.74x $25,000 4622.69 Learn More
0.10% 0.74x $5 4934.48 Learn More
0.10% 0.74x $10,000 4618.34 Learn More
Vystar
Restrictions
0.10% 0.74x $50 4811.85 Learn More
0.10% 0.74x $1,001 4788.47 Learn More
0.10% 0.74x $5 4620.65 Learn More
Priority
Restrictions
0.08% 0.59x $25,000 4741.55 Learn More
First Commerce
Restrictions
0.08% 0.59x $2,500 4935.90 Learn More
Priority
Restrictions
0.06% 0.44x $5 4741.55 Learn More
Gulf States
Restrictions
0.06% 0.44x $1 4744.34 Learn More
Chartway
Restrictions
0.05% 0.37x $2,500 4785.47 Learn More
Tampa Bay
Restrictions
0.05% 0.37x $3,500 4778.44 Learn More
Gte
Restrictions
0.05% 0.37x $100 4778.01 Learn More
Star Usa
Restrictions
0.05% 0.37x $5 - Learn More
Tallahassee-leon
Restrictions
0.05% 0.37x $2,500 4939.20 Learn More
0.05% 0.37x $100 4937.53 Learn More
Tampa Postal
Restrictions
0.05% 0.37x $5 4782.27 Learn More
Geico
Restrictions
0.05% 0.37x $300 4757.27 Learn More
Grow Financial
Restrictions
0.05% 0.37x $1 4771.83 Learn More
Everence
Restrictions
0.05% 0.37x $1 4762.78 Learn More
0.05% 0.37x $5 4780.08 Learn More
Sunstate
Restrictions
0.05% 0.37x $500 4820.11 Learn More
Coral Community
Restrictions
0.05% 0.37x $250 4615.78 Learn More
0.05% 0.37x $5 4777.88 Learn More
0.05% 0.37x $1 4793.22 Learn More
0.05% 0.37x $5 4936.93 Learn More
Insight
Restrictions
0.05% 0.37x $100 4745.91 Learn More
Florida Central
Restrictions
0.05% 0.37x $5 4779.75 Learn More
First Choice
Restrictions
0.05% 0.37x $100 4627.27 Learn More
Baxter
Restrictions
0.05% 0.37x $1 4617.01 Learn More
Campus Usa
Restrictions
0.05% 0.37x $2,000 4827.92 Learn More
Power Financial
Restrictions
0.05% 0.37x $100 4622.69 Learn More
0.05% 0.37x $5 4618.34 Learn More
0.05% 0.37x $1 4620.65 Learn More
Priority
Restrictions
0.04% 0.30x $1,000 4741.55 Learn More
First Commerce
Restrictions
0.03% 0.22x $2,500 4935.90 Learn More
Baxter
Restrictions
0.01% 0.07x $5 4617.01 Learn More
Midflorida
Restrictions
0.01% 0.07x $1 4728.57 Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION


Credit Union Savings Accounts 2020

Credit union savings accounts (also sometimes called share certificates or money market accounts) are savings vehicles that are offered by credit unions. Many Americans enjoy performing their banking transactions with credit unions as they are technically member-owned and may have branches close by. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions do have limited fields of membership – you must be a resident of a certain area or have a family member who was employed by a certain company. Other credit unions will have fields of membership that are virtually open ended (eg. must love life, etc.). If you find a credit union that interests you because of a rate or a service or a location, but are unsure if you qualify for membership, it is often worth reaching out to the credit union to discuss the parameters of the field of membership and whether there may be other ways in which you may qualify for membership.

Unlike online banks and even many local banks, all but the largest credit unions often lack robust online banking features. If you are interested in online banking, be sure to ask your credit unions about the online and mobile services they offer.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

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