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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!

2022 Christmas Club - 11/01/21 - 10/31/22

1.50%/*A.P.Y. on the first $3,000

  • 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.

Start Saving!

Vacation Club - 05/01/21 - 04/30/22

1.50%/*A.P.Y. on the first $3,000

  • 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!

Annual Payout Options


Rates

Club Accounts
Effective Date: Sunday, May 22nd, 2022
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends PaidPosting Date
2022 Christmas Club * (first $3,000 deposited) 1.500% 1.50% Annually Annually November 1st
Vacation Club * (first $5,000 deposited) 2.000% 2.00% Annually Annually May 1st
Certificate Club 0.400% 0.40% Daily Monthly **
Visa Builder Club 0.250% 0.25% 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 $3,000 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.

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.

Investment Planning Calculator

1Christmas Cash Bonus Program runs from 11/1/2021 thru 10/31/2022 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 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 over $1,000 or have received non-bonus deposits totaling at least $30.00 each quarter. Christmas Cash is credited once per quarter in Feb, May, Aug, & Nov. 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.