The WRCU offers two separate club accounts. These accounts are special savings accounts that earn dividends. The Vacation Club disburses on June 1st each year and the Holiday Club disburses on October 1st each year. Interest is forfeited when a withdrawal is made prior to the scheduled disbursement date. These account plans allow you to save for up to twelve months so that you have money available when you need it for summer vacations, winter holidays, or whatever you like.