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Our Club Accounts

Our Christmas and Vacation Club accounts help you set money aside throughout the year so you can enjoy the holidays or your next vacation with less financial stress.

*Membership is required

Join Today!

Prepare for the holidays or relax on your next vacation with savings that grow all year long.

Christmas Club Account
5.26% APY*

Christmas Club Period November 1st - October 31st every year. 

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  • Join ANYTIME!

  • No minimum opening deposit required.

  • No minimum balance required.

  • No monthly service fees.

  • Set up Automatic Transfers for easier saving

  • Dividends paid annually on November 1st

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Vacation Club Account
5.13% APY*

Vacation Club Period June 1st - May 31st every year. 

  • Join ANYTIME!

  • No minimum opening deposit required.

  • No minimum balance required.

  • No monthly service fees.

  • Set up Automatic Transfers for easier saving

  • Dividends paid annually on June 1st

The stated rate applies only to the first $5,000 deposited. Any funds over $5,000 will earn the regular share dividend rate in effect at the time of the posting date. *APY (Annual Percentage Yield) APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Early withdrawals are not permitted unless the entire balance is withdrawn. No dividends will be paid on early withdrawals. Rate may change after the opening of any of the above accounts.  Annual dividend rates on Christmas and Vacation Club accounts are set by MCCU's Board of Directors and are published by the end of the quarter preceding the annual posting date. At maturity, funds will either be automatically transferred to your primary share account or a check for the full balance will be mailed to the address on file.

A Simple Way to Plan Ahead

Our Christmas and Vacation Club accounts are designed to help you build savings gradually while earning competitive dividends. It’s an easy way to stay prepared for holiday expenses, travel plans, and the experiences you look forward to all year long.

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