Rainy Day Savings

Rainy Day Savings is designed to help you build an emergency fund while earning a competitive return on your money. Whether it’s a surprise expense or an unexpected life moment, this account helps you stay prepared and financially confident.

How It Works

Rainy Day Savings is built specifically for emergency savings — not everyday spending.

• Earn 2.27% APY* on balances up to $5,000
• Monthly deposits are limited to $1,000 to encourage steady saving
• Funds are accessible when you need them most

Why Choose Rainy Day Savings

This account offers one of the most competitive options available for smaller balance savings.

• Earn more than typical savings or club accounts
• Keep emergency funds separate from everyday spending
• Build peace of mind with a dedicated safety net

To open an account, you must be a member of HUDFCU. Establishing your membership is easy — just open a regular share savings account. See if you’re eligible for membership. For additional information or assistance, please call us at 202-863-2800 ext. 3.

Disclosure:

Annual Percentage Yield (APY) is accurate as of the effective date and is subject to change at any time without notice. APY applies to balances up to $5,000. Balances above $5,000 will earn a lower dividend rate. Monthly deposits are limited to $1,000. Fees or withdrawals may reduce earnings. Membership eligibility required. Account terms and conditions apply.