Cost can make a big difference in deciding on a memorable vacation or an overnight trip. A Spirit Financial Credit Union Vacation Club Account takes cost out of the equation, by helping you plan for those big trips. Deposit funds into your account at your own pace throughout the year, and when the time comes to go on vacation, you can do it worry-free. You can make deposits by payroll deduction, automation transfers or just occasionally deposit funds. Dividends are posted monthly, and at your request, the money can be transferred directly in your share (savings) or share draft (checking) accounts.