Login > Specialty Accounts Christmas Club A Christmas Club is a savings account which is designed to limit your access until November 1st. This allows you to build up a savings for holiday shopping. Christmas Club accounts may be opened at any time between November 1st and May 1st. Partial withdrawals will be allowed from the Christmas Club account with a $5.00 per transaction fee. A $5.00 closing fee will be assessed on all Christmas Club accounts closed prior to maturity. Dividends are paid on all open Christmas Club accounts with a balance effective on November 1st of each year. Computation of dividend is on the daily balance. No Dividend will be paid on a Christmas Club closed prior to maturity. After dividends are paid, the Christmas Club balance will be transferred to the member’s savings account. Vacation Club A Vacation Club is a savings account which is designed to limit your access until June 1st. This allows you to build up a savings for a summer vacation. Vacation Club accounts may be opened at any time between June 1st and January 1st. Partial withdrawals will be allowed from the Vacation Club account with a $5.00 per transaction fee. A $5.00 closing fee will be assessed on all Vacation Club accounts closed prior to maturity. Dividends are paid on all open Vacation Club accounts with a balance effective on June 1st of each year. Computation of dividend is on the daily balance. No Dividend will be paid on a Vacation Club closed prior to maturity. After dividends are paid, the Vacation Club balance will be transferred to the member’s savings account. Individual Retirement Accounts (IRA) CFFCU has both Traditional and Roth IRAs. To learn more about the IRA options please visit the IRS website. Health Savings Account (HSA) HSAs are designated to cover medical expenses. Rates at a Glance APR* as low as: Vehicle Loans 2.74% Home Equity Loans 4.50% Credit Cards 9.90% ATM Locator Search for no-surcharge ATMS Branch Locator Search for shared branches © 2021 Community First Federal Credit Union Phone: 989-352-6031 Fax: 989-352-6171 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.