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Choose either a Vacation Club or Christmas Club account to make saving for your yearly goals simple. Club accounts are perfect for smaller savings goals that you want to keep separate from your long term savings goals like a home or retirement. These accounts offer a higher yield than traditional savings accounts with low minimums to open.
Check out our account comparison chart below to determine which club account is right for you.
All Our Club Accounts Include:
- Nationwide access to over 5,600 shared branches and 30,000 surcharge-free ATMs1
- Online Banking & Mobile Banking
| Account Feature | Vacation Club | Christmas Club |
|---|---|---|
| Minimum balance to open | $5 | $10 |
| Minimum balance to earn dividends | $5 | $10 |
| Annual Percentage Yield (APY) | 0.15% | 0.15% |
| Annual disbursement into designated account | N/A | November 1 |
| Access to Online Banking & Mobile Banking4 | ✓ | ✓ |
| Access to 30,000+ Shared Branches Nationwide1 | ✓ | ✓ |
| Maximum Balance5 | $20,000 | $20,000 |
| Dividends Paid | Quarterly | Monthly |
1 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.
2 – For average daily balances of $1,500+
3 – APY = Annual Percentage Yield.
4 – Message and data rates may apply.
5 – If the balance exceeds $20,000, the rate drops to the Regular Share/Savings rate of 0.10% APY.