You could be the next big winner!
Build your savings while earning chances to win cash prizes.
Lucky Savers is a 12-month certificate that you can deposit into every month. Every $25 deposit earns you a chance to win (up to 10 entries per month).
Make saving even easier and while never missing a chance to win by setting up a recurring deposit to your Lucky Savers each month.
$25 and a free entry to win is on us!
Cash Prizes!
Monthly Cash Prizes:
- Each $25 deposit gives you a chance to win prizes up to $500.
Quarterly Cash Prizes:
- Each $25 deposit gives you a chance to win prizes up to $5,000.
Other Benefits
Besides the big benefit of being eligible to win cash prizes, there are other benefits to a Lucky Savers account:
- Earn a higher Average Percentage Yield (APY) than a regular savings account.
- Low $25 minimum to open.
- Access to Digital Banking.
- No monthly service fees.
- Deposits are Federally Insured by the NCUA to at least $250,000.
Requirements
- Must be 18 years of age or older.
- You must be a Beginnings Credit Union member with accounts in good standing.
- Business and Trust accounts are not eligible for this account.
- $25 minimum to open.
- Limited to one Lucky Savers account in New York State (members cannot have a Lucky Savers account at another credit union or more than one Lucky Savers account at Beginnings Credit Union).
Rates
*To receive the $25 bonus deposit the account must be opened by 06/30/2026. The bonus deposit from Beginnings will be credited to the account within 10 business days in the month following the date of account opening and is not eligible to be used as the account opening deposit. The bonus deposit counts towards the maximum drawing entries per month. If the Lucky Savers account is closed prior to the initial term date, the $25 bonus will be forfeited. Void where prohibited by law. Official rules and complete list of prizes available upon request. Membership eligibility requirements apply. Penalties may be imposed for early withdrawal, fees may reduce earnings. Lucky Savers Official Rules. For more information, please visit www.nycua.org.
We offer Lucky Savers in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.