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!
2025 Vacation Club - 05/01/24 - 04/30/25
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!
2025 Christmas Club - 11/01/24 - 10/31/25
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 10/31/25)
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 |
|---|---|---|---|---|---|
| 2025 Christmas Club * (first $5,000 deposited) | 4.000% | 4.00% | Annually | Annually | November 1st |
| 2025 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. 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. | |||||
1The Christmas Cash Bonus Program runs from 11/1/2024 thru 10/31/2025 and is open to members with both an ACU checking account and an active Christmas Club account. Each signature-based or “credit” point of sale transaction greater than $1.00 made with your 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, $0.10 per transaction thereafter. Christmas Club accounts are considered active for this program if they have a balance of $1,000 or more at the end of the month or have received non-bonus deposits totaling at least $10.00 each month. Christmas Cash is credited each month based on the prior month’s activity. An early withdrawal fee of $25.00 is charged on any withdrawal made from the account prior to the November 1 payout. Terms and conditions subject to change without notice.