Acadia Christmas Club
Warm drinks, twinkling lights, that special spirit... Keep Christmas magical and stress-free by saving throughout the year so you can buy the gifts you like for the ones you love.
- No minimum balance
- Automatic transfers from your savings
- No withdrawal penalties
- Open Christmas Club any time of year
- Monthly dividends
What would you like to do?
Rates & Fees
Savings Account Rates
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Prime Savings | 0.15% | 0.15% |
| Custom Savings | 0.15% | 0.15% |
| Monty Moose | 0.15% | 0.15% |
| Christmas Club | 0.15% | 0.15% |
| Super Saver Tier I
($1,000 - $99,999.99) | 0.40% | 0.40% |
| Super Saver Tier II
($100,000+) | 2.25% | .40% - 2.09% |
| Acadia Star Money Market Tier 1
($2,500 - $49,999.99) | 1.00% | 1.01% |
| Acadia Star Money Market Tier 2
($50,000 - $99,999.99) | 1.75% | 1.01% - 1.39% |
| Acadia Star Money Market Tier 3
($100,000 - $199,999.99) | 2.25% | 1.39% - 1.83% |
| Acadia Star Money Market Tier 4
($200,000+) | 2.50% | 1.83% - 2.39% |
| Health Savings Account (HSA) | 0.15% | 0.15% |
| HSA Super Saver Tier 1
($1,000 - $99,999.99) | 0.40% | 0.40% |
| HSA Super Saver Tier 2
($100,000+) | 2.25% | .40% - 2.09% |
*APY = Annual Percentage Yield. All rates are subject to change without notice.
†When qualification and minimum balance requirements are met
**Super Saver, Acadia Star Money Market, and HSA Super Saver accounts are compounded daily and credited monthly. These are "Tiered Rate" accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yields, which vary depending on the balance in the account, are shown for each tier.
More Info
A Christmas Club account lets you set up automatic transfers on a regular basis, making it easy to put money aside for the holidays. You can choose the specific amount you’d like to transfer, as well as the frequency of the transfers. We also have payroll and direct deposit deductions available.
Frequently Asked Questions
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Does Acadia FCU have a Money Market option?
Yes, our Acadia Star Money Market account might be just what you’re looking for! If you have a little extra money in your savings and you’d like to earn more dividends with the freedom to withdraw funds at any time, this is your product. Find rates for the Acadia Star Money Market account and other savings options here. Contact us to see how we can help find the right savings option that’s perfect for YOU.
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I want to know if my money is safe. Are Acadia FCU member accounts federally insured?
The short answer is YES. Here are few important things to know about how Maine credit unions are protected:
- Federally insured credit unions offer a safe place for credit union members to save money. These deposits are protected by the National Credit Union Share Insurance Fund and insured up to at least $250,000 per individual depositor – the same as any other federally insured financial institution.
- Credit union deposits in federally insured credit unions are safe and secure, and all Maine credit unions are federally insured.
- Credit union members have never lost a penny of insured savings at a federally insured credit union.
- All Maine credit unions are regularly examined by financial regulators to ensure proper management and maintain the safety and soundness of members’ money within the institution.
Visit www.MyCreditUnion.gov for more information about the National Credit Union Share Insurance Fund coverage for consumers. Download this informational brochure to help answer any other questions you may have.
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Can teenagers open checking accounts and get their own debit cards?
Yes, teens age 14 and older can open checking accounts and get a debit card, as long as there is a parent or guardian also on the account. The responsible adult will need to fill out a minor addendum stating that they are responsible for losses incurred on the minor’s savings and checking accounts. We love to see our younger members learning how to be responsible and are happy to help them, anytime!
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Are the funds in my custom savings account transferrable?
Absolutely you can.
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Is there a fee to withdraw from my custom savings account?
No, there are no penalty fees for withdrawing your saved funds in your custom savings account.
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Is there a minimum or maximum amount I can put into a custom savings account?
Acadia does not set a limit for custom savings accounts. Please check out our website here for more information.
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What is a custom savings account?
Acadia offers you the opportunity to create a custom savings account under your Prime Savings account. More information can be found here.
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Does a custom saving account earn interest?
Members do earn interest on custom savings accounts. Acadia’s saving account rates can be seen here.
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Does Acadia offer Christmas Clubs?
Yes, Christmas Clubs can be opened at any time. You can find more information right here.
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Can I open a savings account with Acadia online?
You certainly can open savings accounts online! You can apply right here and indicate what type of account you want to open.
Need help? Send us a message.
The staff is always warm, friendly, and eager to help. Acadia is MY go-to place for any financial needs. Albertine S., member since 2001