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Rainy Day Savings

Automatic deposits can help you set aside money for emergencies

Set aside a percentage of each deposit

Send change from debit card purchases to savings

Use both methods for maximum results

Earn competitive dividends on account balances

Overdraft protection at no cost

If one of your checking transactions causes an overdraft, funds will automatically transfer from Rainy Day Savings in $100 increments to cover the shortfall. There's no fee for this service.

Three options to help you build financial security

If you or your family had an emergency tomorrow, would you have the funds to handle it? For peace of mind, it's a smart move to start up a Rainy Day fund. At GreenState Credit Union, we offer three ways to build your savings balance automatically.

Pick Your Percent 

  • You can choose to have 2% to 10% of every qualifying deposit1 transferred from your checking account to your Rainy Day Savings account.  
  • Example: If you choose to transfer 3% and then deposit $100, a total of $97 would go to checking and $3 would automatically go to your Rainy Day Savings account.

Debit Card Round-Up

  • Every time you use your GreenState debit card, the transaction total is rounded up to the nearest dollar and the change is transferred to your Rainy Day Savings.
  • Example: If you use your debit card for a purchase of $20.27, it would round-up to $21 and transfer $0.73 from checking to your Rainy Day Savings account.
Choose Both and Save More

 Other Account Advantages

  • Earn 1.00% APY on balances up to $2,5002
  • No monthly fees
  • No transaction or deposit requirements
  • No withdrawal fees or limits
  • Only $5 minimum balance3

Earn interest at competitive rates with a savings account from GreenState Credit Union. Open an account online, reach out to a lender in your area, or visit a branch today.

Consistently ranked in the top 1% of all banks and credit unions nationwide for returning profits with better rates on loans and deposits.

Rainy Day Savings
Earn as much as
______%
APY2
Youth Savings
Earn as much as
______%
APY4
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Member Perks
Free checking with extra benefits

Managing your money doesn't have to be boring.

Free Checking

Members can unenroll in this program at any time by contacting us at 800-397-3790, chatting with us at GreenState.org, or stopping by any branch and requesting to be removed.

  1. For "Pick Your Percent" your choice of between 2% and 10% of all qualifying deposits made to a checking account will be automatically transferred to Rainy Day Savings. The chosen percent must be a whole number. To change your auto deposit percentage, call us at (844) 300-5810, chat with us at GreenState.org, or stop by your nearest branch. Qualifying deposits include ACH direct deposit, ATM, Remote Deposit Capture check deposits, in branch deposits, and Zelle. Internal transfers do not qualify.


  2. Rainy Day Savings: APY is Annual Percentage Yield and is accurate as of the last dividend declaration date and does not apply to Rainy Day Non-Dividend Savings account. The Rainy Day Savings account rate is variable and may change after account opening. This account is a tiered rate and will pay the stated rate on average balances up to $2,499.99. Balances of $2,500.00 or greater will earn 0.05% APY. Rainy Day Non-Dividend Savings account pays no yield regardless of the balance in the account. Rainy Day Savings must be linked to a GreenState checking account. $5 minimum balance required. Members can unenroll at anytime by request. Fees may reduce earnings.

  3. A minimum balance of $5.00 must always be maintained in the account.

  4. Youth Savings: APY is Annual Percentage Yield. The Youth Savings account rate is variable and subject to change. This account is a tiered rate and will pay the stated rate on average balances up to $2,499.99. Balances of $2,500.00 or greater will earn 0.50% APY. Dividends compounded monthly. Rates are variable and may change after the account is opened. APY listed above is accurate as of the last dividend declaration date. Fees could reduce earnings on the account. $1.00 per debit after three (3) per month.


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