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Lucky Savers Share Certificate

Lucky Saver Web Banner build your savings and get chance to win up to $5,000
What is so lucky about Lucky Savers?

Helping members to build a consistent savings habit is why the Lucky Saver* account was created. Saving even a small amount each paycheck is the first step toward future financial stability and reaching your goals. You can easily open a Lucky Saver account by visiting one of our convenient branch locations, calling us at 518.783.2211 or emailing us. We can help set up a small transfer into your Lucky Saver account from direct deposit each paycheck or schedule transfers to increase your chance to win.


What kinds of prizes can I win? 
  • Each $25 deposit gives you a chance to win a monthly prize of up to $100 and a quarterly prize of up to $5,000


What are the requirements to open Lucky Saver account? 
  • Must be 18 years of age or older.
  • Be a CRFCU member with accounts in good standing.
  • Business and Trust accounts are not eligible for this account.


So, how do I open an account?

It’s easy! Just visit one of our convenient branch locations, call us at 518.783.2211 or email us and ask for a 12 month Lucky Savers Share Certificate and make an opening deposit of $25.  Your initial deposit is your first step to saving and is your first entry into the monthly and quarterly prize drawings.  You can even set up direct deposit or scheduled transfers to increase your chance to win. Bam!


What’s the dividend rate?

View current deposit rates here.

Are you a Veteran or First Responder? You are eligible for an additional bonus rate. Speak with a Financial Services Representative for more information. 


Why should I open a Lucky Saver account?

Because you seriously have nothing to lose – and everything to win! Not everyone will win a prize but with regular deposits into your Lucky Saver account all year, you are guaranteed to end up with more money saved than when you started.

Lucky Saver winner Adam
Lucky Savers winner Cheryl

Lucky Saver Winners: 

       2017                                                    2018                                       2019                                 2020 

Thomas D.  $50                                  Erin B.     $50                        Cheryl V.      $25                 Richard S.  $25

John J.         $25                                   Adam M.   $50                      Richard S.   $25                  Elaine E.  $25

Laura P.      $25                                   Harry M.   $25                       Armand H.    $25

May 2019 Elaine E. won the $5,000 quarterly prize! 


Once you’ve opened your Lucky Saver Account, please complete this online survey.


Click to view the 2018-2019-Official-Rules here.

 *Maximum deposit amount of $10,000.00. Minimum of $25 to open.

**APY= Annual Percentage Yield. APY is accurate as of today’s date. Dividends are compounded and posted monthly. Fees and other conditions may reduce earnings. Penalties may apply for early withdrawal. Minimum to open and obtain APY for Lucky Saver Share Certificates is $25; max. deposit of $10,000.00. This product is eligible for the Veterans and First Responder bonus rate. Offer applies to new and existing CRFCU members. Current members may also roll in existing CRFCU funds in addition to the New Money. Share Certificates automatically renew at the time of maturity. CRFCU will provide a 30-day notice prior to the maturity date. If you do not contact CRFCU on or before the maturity date, the account will renew at the current rate at the time of renewal. You will have a 7 day grace period after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Please refer to your Terms and Disclosures for more detailed information. Annual Percentage Yields shown are effective 10/1/2018. For official account and prize entry rules, click here for Official Rules.