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Home > Personal > Save > Club Accounts

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!

2024 Vacation Club - 05/01/23 - 04/30/24

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!

Start Saving!

2024 Christmas Club - 11/01/23 - 10/31/24

5.00%/*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 10/31/24)

Start Saving!

Annual Payout Options


Rates

Club Accounts
Effective Date: Wednesday, April 17th, 2024
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidPosting Date
2024 Christmas Club * (first $5,000 deposited) 5.000% 5.00% Annually Annually November 1st
2024 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.

Investment Planning Calculator

 1 Exciting new enhancements to our Christmas Cash Bonus Program. The new terms will begin starting 11/1/2023 and will require non-bonus deposits totaling at least $10 each month instead of $30 every 3 months or a minimum balance of $1,000 in a Christmas Club Account to be considered active to qualify for the Christmas Cash Bonus Program. For any questions or concerns about this change, contact Ashland Credit Union (ACU) at 800.245.8112 or visit your local branch. For the full disclosures of our Christmas Cash Bonus Program, see below.

The Christmas Cash Bonus Program runs from 11/1/2023 thru 10/31/2024 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.