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Saving saves the day.

There are certain expenses you know are coming—like buying gifts for the holidays or planning for a big vacation. Christmas and Vacation Club Accounts from On The Grid Financial allow you to automatically transfer any authorized amount monthly from your savings or checking account so you can save a little at a time throughout the year. You can also set up payroll deduction to deposit a given amount from every paycheck. Plus, you’ll earn monthly interest on balances of $50 or more.

Checking & Savings

Why is a Club Account better than using your credit card or taking out a personal loan?

Compare the difference between saving money and buying on credit. Using the same monthly amount, your money will go a lot further with a Club Account:

Loan Scenario* Club Account Scenario
Borrow $1,000 for one year Save $88 per month for one year
Interest Rate: 12%
Monthly Payments: $88.85
After one year you will have paid back the original $1,000 plus an additional $66.20 in interest. After one year you will have saved $1,056 and will have earned an additional amount on the account as a dividend.

We offer both Holiday Club Accounts and Vacation/Travel Club Accounts. The only difference between the two is that you can make one withdrawal per quarter with no fee on the Vacation/Travel Club Account.


Information is for illustration purposes only. Rates and loan amounts are based on an individual’s creditworthiness.