Vacation/Holiday Club Accounts Features: No minimum balance requirement to open your account OR to earn interest Dividends are compounded daily and paid monthly No maintenance fees Deposits and withdrawals can be made at any time, with no penalty Transfer funds to or from this account via our e-Branch online banking system or at branch locations Vacation Club funds are automatically transferred to your Savings Account by June 15 (for ATM accessibility) Holiday Club funds are automatically transferred to your Savings Account by October 15 (for ATM accessibility) Payroll deduction is available Funds are fully insured up to at least $250,000 by the National Credit Union Administration (NCUA) Benefits: Great way to save for your vacation or holiday expenses Earns interest regardless of your account balance Funds are quickly and easily accessible No term requirement