Plan ahead for vacations and holidays with a savings account — so the moments that matter feel joyful, not stressful

Save for life's meaningful moments

Club Savings makes it easier to prepare for what you’re looking forward to. Set money aside automatically throughout the year and have it ready right when you need it.

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Automatic annual payout

Your full Club Savings balance transfers to another account you own on the scheduled date — giving you access when it matters most and no temptation to withdraw early.

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Simple to start, easy to maintain

Open your Club Savings account with just $10 and no monthly fee, making steady progress feel manageable and realistic.

How to open a Club Savings account

Getting started with Club Savings is simple. Choose your goal, set up regular deposits, and let your savings grow steadily throughout the year — with support if you ever need it. 
 

01
Choose your savings goal

Select Vacation Club Savings or Holiday Club Savings based on what you’re planning for and when you’ll need your funds.

02
Open an account online

Start with the minimum required deposit and decide how you’d like to contribute — weekly deposits of at least $10 help you stay on track.

03
Set up automatic transfers

Schedule recurring deposits so your savings build gradually, without adding stress to your monthly routine.

04
Receive your annual transfer

On the scheduled payout date, your full Club Savings balance transfers to your designated account and remains open for the next cycle.

Holiday Club Savings Rates

Balance  Dividend  APY*  
$100,000 or more  0.35%  0.35%  
$2,000 or more  0.35%  0.35%  
Up to $2,000  0.30%  0.30%  

*APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 0.30% APY applies to balances up to $2,000. 0.35% APY applies to balances of $2,000 or more and $100,000 or more. A $10 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. 

Vacation Club Saving Rates

Balance  Dividend  APY*  
$100,000 or more  0.35%  0.35%  
$2,000 or more  0.35%  0.35%  
Up to $2,000  0.30%  0.30%  

*APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26. 0.30% APY applies to balances up to $2,000. 0.35% APY applies to balances of $2,000 or more and $100,000 or more. A $10 minimum deposit is required to open the account. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. 
Your questions, answered

A Club Savings account is a goal-based savings account that helps you set aside money throughout the year for planned expenses such as vacations or holidays. The full balance is automatically transferred to your designated account once per year on a scheduled payout date. 

The main difference between these two savings accounts is the annual transfer date.  

  • Vacation Club Savings transfers your full balance on or after the first business day of April. 
  • Holiday Club Savings transfers your full balance on or after the first business day of October. 

Both accounts are designed to help you save steadily for specific seasonal expenses. 

Club Savings accounts are designed for one scheduled transfer per year. If you need access to your funds before the annual payout date, you may close the account to withdraw the balance. 

Members may open one Vacation Club Savings account and one Holiday Club Savings account.