Club Accounts
Save it now, spend it later!
Have peace of mind by knowing you have money for holiday spending or that fun trip you’ve always wanted to take!
2026 Vacation Club - 05/01/25 - 04/30/26
4.00%/*A.P.Y. on the first $5,000
- No minimum opening deposit required.
- Choose from three payout options (described below).
- Dividends paid annually on May 1st.
- No restrictions on when contributions can begin.
- A great way to save money and earn dividends at a competitive rate!
2026 Christmas Club - 11/01/25 - 10/31/26
4.00%/*A.P.Y. on the first $5,000
- No minimum opening deposit required.
- Choose from three payout options (described below).
- Dividends paid annually on November 1st.
- No restrictions on when contributions can begin.
- Up to $0.20 Christmas Cash earned per swipe1, when you use your ACU debit card. (Expires 10/31/26)
Annual Payout Options
- Send It Now – Mail a check for the entire balance to the mailing address on your account.
- Spend It Later – Automatically transfer the entire balance to the account of your choosing.
- Save It For Next Year – We’ll leave the entire balance right where it is and you’ll be all set for next year.
Rates
| Account Type | Dividend Rate | *A.P.Y. | Dividends Compounded | Dividends Paid | Posting Date |
|---|---|---|---|---|---|
| 2026 Christmas Club * (first $5,000 deposited) | 4.000% | 4.00% | Annually | Annually | November 1st |
| 2026 Vacation Club * (first $5,000 deposited) | 4.000% | 4.00% | Annually | Annually | May 1st |
| Certificate Club | 1.490% | 1.50% | Daily | Monthly | ** |
| Visa Builder Club | 0.500% | 0.50% | Quarterly | Quarterly | *** |
*A.P.Y. = Annual Percentage Yield. Minimum balance required to open account and earn the stated APY= $0. Rate subject to change. Annual dividend rates on Christmas and Vacation Club accounts are set by the ACU Board of Directors and are published by the end of the quarter preceding the annual posting date. Stated rate on Christmas Club account applies to only the first $5,000 on deposit. Any funds over that amount will earn the regular share dividend rate in effect at the time of the posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or to pay out the annual balance on the posting date. Fees may reduce earnings. Stated rate on Vacation Club account applies to only the first $5,000 on deposit. Any funds over that amount will earn the regular share dividend rate in effect at the time of the posting date. A $25.00 fee is assessed for all withdrawals other than to close the account or to pay out the annual balance on the posting date. Fees may reduce earnings. | |||||
*The Christmas Cash Bonus Program runs from 11/01/25-10/31/26 and is open to memberships with both an ACU Checking account and active Christmas Club account. Each signature-based or 'credit' point of sale transaction greater than $1.00 made with member's ACU debit card while both accounts are open qualifies for the Deposit Bonus. Deposit Bonuses are credited at $0.20 per qualifying transaction for the first 25 transactions made per month and $0.10 per transaction thereafter. Christmas Cash Bonus terms require non-bonus deposits totaling at least $10 each month or an average balance of $1,000 in a Christmas Club account to be considered active. Christmas cash is credited once per quarter in February, May, August, and November. (Christmas Cash Bonus Program 2026 expires October 31, 2026. All qualifying transactions must be posted by October 31, 2026, to qualify for November Christmas Cash payout). An early withdrawal fee of $25 is charged on any withdrawal made from the account prior to the 11/01/26 payout. Early withdrawal fees may reduce earnings. Terms and conditions subject to change without notice. Membership required.