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Life is full of big, exciting, and often expensive adventures. Budgeting and saving for life’s many events and milestones is easy with Special Savings Accounts!
You can open as many Special Savings Accounts as you would like and use them to save for a one-time occasion like a wedding, or a goal such as a downpayment for a home. They pay dividends and are easy to access through Online Banking, Mobile Banking, or at any of our branch locations. You can make deposits or withdraw money from your Special Savings Account at any time.
Special Savings Accounts should not be used as a Youth Savings Account. To learn more about saving for children visit our Youth Savings Account page.
Account Type | Dividend Rate* | Annual Percentage Yield | Dividends Paid on Amounts | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Special Savings
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0.05%
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0.05%
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$200.00 - $9,999.99
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Special Savings
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TEXT
0.10%
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0.10%
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TEXT
$10,000.00 and above
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Christmas Club
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0.05%
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TEXT
0.05%
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TEXT
$5.00 and above
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Vacation Club
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0.05%
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0.05%
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TEXT
$5.00 and above
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Effective May 11, 2020 |
Special Savings
Dividend Rate*0.05%
Annual Percentage Yield0.05%
Dividends Paid on Amounts$200.00 - $9,999.99
Special Savings
Dividend Rate*0.10%
Annual Percentage Yield0.10%
Dividends Paid on Amounts$10,000.00 and above
Christmas Club
Dividend Rate*0.05%
Annual Percentage Yield0.05%
Dividends Paid on Amounts$5.00 and above
Vacation Club
Dividend Rate*0.05%
Annual Percentage Yield0.05%
Dividends Paid on Amounts$5.00 and above
* Fees could reduce the earnings. Rate/Yield on the above accounts is subject to change daily. Questions? Call 1-800-543-2811.
Club Accounts are similar to Special Savings Accounts, however, they have a distinct purpose and set disbursement dates. America’s Credit Union offers a Christmas Club and a Vacation Club.
Christmas Club: You can open a Christmas Club Account at any time with a $5 minimum deposit. Most often, members fund this account with a direct deposit from their employer throughout the year, however, you can also make deposits any time that works best for you.
You can withdraw money from your Christmas Club Account between November 1 and December 31 to cover holiday shopping expenses, free of charge. There is a $5 fee per withdraw or transfer money between January 1 and October 31.
Vacation Club: You can open a Vacation Club Account any time of the year with a $5 minimum deposit. Make periodic deposits, or schedule direct deposits from your employer to save for the vacation of your dreams!
You can withdraw money from your Vacation Club Account between April 1 and August 31 to pay for your travel expenses, free of charge. There is a $5 fee per withdraw or transfer money between September 1 and March 31.
Depositing money on a regular basis will help you grow your Special Savings Account balance faster. Set up direct deposit with your employer so the money is deposited before you get it in your paycheck.
If you’re not familiar with the 52 Week Savings Challenge it’s also an effective and easy way to add to your Special Savings Account.
On the first week deposit $1 into your Special Savings Account. On the second week put $2 in your account. Continue this pattern so on the 52nd week you’re depositing $52 into your Special Savings Account. At the end of a year, you will have saved $1,378 plus interest! For other variations of this savings plan check out our blog post Three Ways to Make the 52 Week Savings Challenge Work for You.
Lastly, you may want to consider eliminating one or two ways you spend your money on “extras” to focus on saving it instead. Going out to eat at restaurants or ordering delivery rather than cooking at home can get expensive. Unused memberships to gyms, clubs, and other programs also add up. Look for ways to reinvest that money into your future by putting it into a Special Savings Account instead!
View current Savings Account rates for Share, Special, and Club Accounts in one place.
If you’re looking for the best online Savings Account check out our savings rates and learn more about saving with ACU!
The ACU Youth Savings Account is designed for kids. It pays interest on smaller deposit balances to encourage good saving habits.
Learn more about membership at ACU. As a member-owner you'll benefit from our cooperative banking model.
Learn all about budgeting your savings with this fantastic eBook. It offers editable templates to budget for any occasion.
[BLOG POST] Find out all the different ways you can save with small deposits that add up to big savings in just one year!
America’s Credit Union will NOT ask you to update your information through an e-mailed link or a cell phone text message. Should you receive an e-mail or text message allegedly from America’s Credit Union requesting such an update, please contact us immediately.
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America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns.