ROCHESTER, N.H. — Holy Rosary Credit Union is redefining the club account.

The credit union has unveiled a "Home Heating Club Account" to help members save for their home heating bills this winter. The account also offers additional perks, including a high rate of return and built in conditions to ensure the funds are used for their intended purpose. The account currently earns a 4.0% APY.

HRCU considered offering a special loan for home heating but decided against it.

"Unlike a loan which costs money, the Home Heating Club Account offers a return on our members' money, a large return actually," said HRCU Marketing Director Danielle Lyczak. "The decision to create this account was based solely on what's best for the members. That's what credit unions are about."

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