Christmas & Vacation Club Accounts

In 2016, we gave you what we felt was the best Christmas Club account on the planet with the addition of the debit card bonus program! In 2017, we're keeping all the features that make it great, AND we're adding even more flexibility.

The ACU Christmas Club now features:

  • Annual dividend rate of 2.00% APY on the first $3,000 on deposit
  • Up to $0.25 per swipe bonus when you use your ACU debit card
  • THREE payout options (described below)
Annual Payout Options
  • Send It Now - Mail a check for the entire balance to the mailing address on your account during the first week of November
  • Spend It Later - Automatically transfer the entire balance to your ACU checking, savings, money market, or other 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. If you change your mind, you can make free withdrawals from the account throughout the month of November.
Christmas Checking Bundle Bonus
If you have both an active 2017 Christmas Club account and an ACU Checking account, you get an extra bonus! Each time you swipe your ACU debit card and run the transaction as "credit" (usually any time you make a purchase using your signature rather than your PIN), we will add $0.25* to your Christmas Club account (see below for limits).

25 Qualifying Swipes   X   $0.25 Per Swipe   X   12 Months   =   $75!
(signature-based)          (first 25/month)       (11/1/16 - 10/31/17)

Program runs from 11/1/2016 thru 10/31/2017 and is open to memberships with both an ACU checking account and an active Christmas Club account. Each signature-based or "credit" point of sale transaction made with your ACU debit card while both accounts are open qualifies for the deposit bonus. Deposit bonuses are credited at $0.25 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 over $100 or have received a deposit during the quarter. Bonuses credited once per quarter (Feb, May, Aug, Nov).


Just like a Christmas Club account, your Vacation Club Account is a great way to save extra cash for a specific purpose - your next vacation! After building up your balance all year long, your dividend is posted on on May 1 and the funds in the account are sent to you either by check or transfer to your ACU checking. After the money is disbursed, the Vacation Club Account automatically continues and starts accumulating for the following year.

  • Save year round for your vacation.
  • An exceptionally high dividend rate makes a club account your best yielding savings option. However, withdrawals are limited. A $25 fee is assessed for withdrawals made other than the automatic payment on May 1.
  • Funds are distributed around the first week of May each year by transfer to your ACU checking account or a check to your home address.
  • Payroll deduction is available.
  • Dividends are paid annually on May 1.

NEW FEATURE FOR CLUB ACCOUNTS STARTING IN 2016 - Let your savings ride...

Don't want the auto transfer? With rates like these, we understand why the allure of high-yield earnings might be even greater than the call of the beach! We now offer the option to leave your savings right where they are on May 1 (Vacation Club) and November 1 (Christmas Club). We can even have the annual dividend automatically transfer to your savings, money market, checking account, or any other account of your choosing. Just give us a call at 800-245-8112 or send a secure message through Communications Center in Internet Teller with instructions for your account today.

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