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Get a head start on your vacation — or de-stress your holidays by saving for them in advance.

Key Features

  • Competitive Dividends
  • No Monthly Service Fee
  • No Minimum Balance
  • Free Digital Banking
  • Set aside year-round, in amounts of your choosing, for the holidays
  • Set up payroll deduction to make contributions even easier
  • Holiday Club begins in October and runs for 50 weeks
  • Funds released October 1st of the following year, in time for Holiday shopping
  • Funds automatically transfer to Regular Savings or Checking upon maturity
  • Competitive dividends paid on entire balance
  • No monthly service fee
  • No minimum balance requirements
  • Avoid unwanted credit card debt and tight financial months
  • Early withdrawals subject to penalty
    • 10% penalty fee with a minimum withdrawal of $250
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • No minimum deposit to open 

Additional deposit coverage available — deposits secured up to $500,000, backed by NCUSIF and additional private insurance, Excess Share Insurance (ESI) Corporation

  • Set aside year-round, in amounts of your choosing, for well-deserved vacation time
  • Set up payroll deduction to make contributions even easier
  • Vacation Club begins on the first day of whichever month you choose
  • Funds released the first of the month, 12 months after the start date — so you can head out to your slice of paradise
  • Funds automatically transfer to Regular Savings or checking upon maturity
  • Competitive dividends paid on entire balance
  • No monthly service fee
  • No minimum balance requirements
  • Avoid unwanted credit card debt
  • Early withdrawals subject to penalty
    • 10% penalty fee with a minimum withdrawal of $250
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • No minimum deposit to open 

Additional deposit coverage available — deposits secured up to $500,000, backed by NCUSIF and additional private insurance, Excess Share Insurance (ESI) Corporation

The SJFCU Vacation Club funds will automatically transfer to Statement Savings or Checking on 1st day of the month, 12 months after the start date. Withdrawals prior to maturity will be subject to a 10% penalty, with a minimum withdrawal of $250. Please bring your completed Vacation Club application to the credit union branch nearest you.

  • Available to school employees
  • Set aside over a 10-month period for the upcoming summer break
  • Set up payroll deduction to make contributions even easier
  • Educator's Club begins in September
  • Funds released July 1
  • Accumulated funds can be transferred to Regular Savings or checking
  • Easily access funds throughout the summer break        
  • Competitive, tiered dividends paid on entire balances of $100 or more
  • Larger balances receive higher rates
  • No monthly service fee
  • No minimum balance requirements
  • Avoid unwanted credit card debt
  • Early withdrawals subject to restriction
    • See your school district's plan for applicable withdrawal restrictions
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • No minimum deposit to open

Additional deposit coverage available — deposits secured up to $500,000, backed by NCUSIF and additional private insurance, Excess Share Insurance (ESI) Corporation

Educator’s Club agreement matures yearly on July 1. Club funds will automatically transfer to your Checking or Savings account, whichever you select. Withdrawals prior to maturity date of July 1 are subject to a $10 fee for each withdrawal. Withdrawals can be made in branch or via electronic transfer. You may make no more than six (6) transfers and withdrawals from your Educator’s Club to another account of yours or to a third party in any month by means of a preauthorized, automatic, or internet transfer, by telephone, or by debit card or similar order. If you exceed these limitations, the transaction will be declined.

Please Call 800-582-7640 for more information.

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