Waterfront Federal Credit Union - Funds Coming In? Not Sure Where to Put Them Next?

For many people, this time of year comes with extra funds—whether it’s from a bonus, vacation funds, tax refund, increased hours, or simply catching up after the holidays. A common question we hear is:

“What’s the smart next move for my money?”

The good news is, you don’t have to choose between playing it safe and making saving feel rewarding. At Waterfront Credit Union, we offer two solid savings options—each designed for different goals and saving styles.

Option 1: High-Yield Savings

A safe, steady way to grow your money

If you’re looking for predictable growth and easy access to your funds, a High-Yield Savings Account may be the right fit.

With this option, you can:

Earn up to 4.07% APY*
Keep your money accessible when you need it
Feel confident knowing your funds are federally insured by NCUA

This account is ideal for emergency savings, short-term goals, or simply earning more on money you already have sitting in savings. It’s available for both new and existing deposits, so you can make the most of what you’ve already saved!

Option 2: Save to Win® Savings

Save your money—with a chance to win cash

Want to make saving a little more fun? Save to Win® lets you grow your savings and earn chances to win cash prizes along the way.

Here’s how it works:

Every $25 you save earns an entry into cash prize drawings
Prizes are awarded monthly, quarterly, and annually
You never lose your money—you keep every dollar you save

It’s a great option if you like the idea of turning everyday saving into something more motivating, while still staying financially secure.

Two Options. One Smart Move—Saving With Purpose.

Whether your goal is steady growth, building a cushion, or making saving more engaging, both options are designed to help your money work harder for you.

If you have questions or want help deciding where your funds make the most sense, our team is always here to help—online, by phone, or whenever you’re ready.

Your money. Your goals. Let’s make the most of both.