Vacation Club

Short term savings made easy.

Sit back. Relax. Watch your savings grow! The Vacation Club account is your ticket to paradise. We offer a Vacation Club account as a convenient way to put money away and earn interest above the regular savings account rate with no monthly fee1 to help you meet your special "getaway" savings goals.

Building your savings has never been easier

A Vacation Club account is a savings account that pays higher dividends on deposits to help you save and reach your goals quicker. Direct deposit a portion of your paycheck each pay period into your account to build your savings throughout the year. This account can be opened with as little as $5.

Benefits of Vacation Club accounts:

  • No monthly service fee1 and earn dividends on balances $5 or more.
  • Balance may not exceed $20,000
  • Review balances using the mobile app or online banking services.
  • Nationwide access to over 5,600 shared branches and 30,000 surcharge-free ATMs2

Today's Rate - Valid 10/21/2020
Vacation Club
0.20%
APY3

Digital Services
With ACCU Online Banking and Mobile App, you can conveniently manage your money with access to your account anywhere, anytime.
  • Save time and money
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Highest level of security
  • Eliminate paper waste
  • Simplify recordkeeping
  • Reduce chance of identity theft
  • Arrive faster than paper statements
  • Fast, free, and easy
  • Online Banking in palm of hand
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Over 5,600 branch locations
  • Make deposits, withdrawals, and more
  • Easy online branch locators
  • Locate by phone or mobile app
  • Over 30,000 ATM locations nationwide
  • Partnered with the CO-OP network
  • Search for ATMs online
  • Withdraw cash and more
  • Save time and money
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Highest level of security
  • Eliminate paper waste
  • Simplify recordkeeping
  • Reduce chance of identity theft
  • Arrive faster than paper statements
  • Fast, free, and easy
  • Online Banking in palm of hand
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Over 5,600 branch locations
  • Make deposits, withdrawals, and more
  • Easy online branch locators
  • Locate by phone or mobile app
  • Over 30,000 ATM locations nationwide
  • Partnered with the CO-OP network
  • Search for ATMs online
  • Withdraw cash and more
Savings Goal Calculator

Whether you are saving for a wedding, vacation, new appliance, or any short term goal this easy to use calculator will help you find the right amount you need to save each month to reach your goal. First, determine how much you need to save to achieve your goal. Then input the time frame in which you hope to achieve your goal. Let the calculator do the rest.


This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Get Started
As a member of America’s Christian Credit Union, we’re dedicated to providing you all the support you need to reach your financial goals along with a premier banking experience.
Vacation Club Frequently Asked Questions

What is a Vacation Club account?

A Vacation Club Account is a savings account that pays higher dividends on deposits to help you save more throughout the year for vacation expenses.

Is there a monthly fee for a Vacation Club account?

No! A Vacation Club account does not have a monthly service fee. However, there is a $3.00 paper statement fee per month, which can be waived when you sign up for eStatements.

Is there a minimum deposit required to open a Vacation Club account?

Yes, there is a $5 minimum deposit required to account opening and minimum deposit to earn dividends.

Is there a minimum balance requirement?

No, there is no minimum balance required for this account. However, there is a $30.00 overdraft fee if your account balance falls below your attempted transaction.

Do I need to be an America’s Christian Credit Union member to open a Vacation Club account?

Yes, you will need to become a member or already have membership established to open a savings account at ACCU. It is a government requirement that we both create membership and collect certain information to help prevent fraud and combat terrorism.

How can I access my accounts?

Our mobile app and online banking services make it easy to access your account anytime and anywhere. Transfer funds, send and receive money, pay bills or deposit checks right from your phone. And, of course, there are over 5,600 shared-branching locations, and a network of more than 30,000 CO-OP ATMs nationwide2. View all locations here.

Can I deposit a check with my phone?

Yes! You can deposit a check using Remote Deposit in America’s Christian Credit Union mobile app to deposit a check in seconds. It is available in the Google Play Market and Apple App Store. Click here to learn more.

Can I open a Vacation Club account online?

Yes, apply online in minutes!

1 – Statement fee is waived with enrollment in free electronic statement service. Otherwise, a monthly paper statement fee of $3.00 will apply. See consumer fee schedule for full list of applicable fees. 

2- Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.

3 – APY = Annual Percentage Yield.