Club Accounts

Financial setbacks due to Christmas, vacation, and college happen! That's life. At First Capital Federal Credit Union, we help our members by offering special savings accounts specifically for those purposes.

Rather than scramble at the last minute, make deposits in any amount you're comfortable with, year-round. Then, when the time comes, you're well equipped with the money you need, plus earned dividends — not to mention, much less stress!

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Calculate Your Dividends

Christmas Club
  • Set aside little by little over the course of multiple months leading up to Christmas
  • Competitive dividends paid on entire balance
  • No monthly service fee
  • No minimum balance requirements
  • No minimum deposit to open
  • Set aside any amount you're comfortable with
  • Set up direct deposit for an easy way to build savings
  • Avoid holiday-induced debt and stress
  • Funds automatically transferred to your First Capital Federal Credit Union Share Savings account on the first business day of October
  • Early withdrawals will result in a $10 penalty
  • Free online banking
  • Free mobile banking
  • Free eStatements

Truth in Savings Disclosure

Fee Schedule

Vacation Club
  • Set aside little by little throughout the year for your ideal vacation
  • Competitive dividends paid on entire balance
  • No monthly service fee
  • No minimum balance requirements
  • No minimum deposit to open
  • Set aside any amount you're comfortable with
  • Set up direct deposit for an easy way to build savings
  • Avoid seasonal periods of credit card debt and financial stress
  • Funds available upon request
  • Free online banking
  • Free mobile banking
  • Free eStatements

Truth in Savings Disclosure

Fee Schedule

College Club
  • Set aside little by little for your college education
  • Competitive dividends paid on entire balance
  • Earn an even higher rate by making regular monthly deposits of $20 or more
  • No monthly service fee
  • $20 minimum deposit to open
  • Set aside any amount you're comfortable with
  • Set up direct deposit for an easy way to build savings
  • Funds automatically transferred to your First Capital Federal Credit Union Share Savings account on the first day of the calendar month following your 18th birthday
  • Early withdrawals before the age of 18 will result in a penalty*
  • Free online banking
  • Free mobile banking
  • Free eStatements

*Verification of enrollment in college or another institution of higher education.

Truth in Savings Disclosure

Fee Schedule