Club Accounts

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Explorers Club

Our Explorers Club is for members 0-12 years of age. It requires a minimum deposit of only $5.00 and a one time membership fee of $1. We want to help our young members on a Fun Journey to Learning about Money.

Join the Route 31 Explorers Club! It’s a terrific way to start saving. You can earn fun prizes, too! Here is how it works. Explorers will receive one stamp in their passport book for each in-person deposit (minimum $20 deposit). When passport book is full, they receive a free stuffed animal or a movie ticket.

Become an Explorers Club member today! It’s easy. Ask your parents to bring you to either Route 31 Credit Union branch to sign-up. It only takes a minimum $5 deposit to open an account and a one time membership fee of $1. When you become an Explorers Club member you will receive:

An Official Membership Card
A Goody Bag
Educational Newsletters about Money
A Birthday Card near your Birthday

Right Track Accounts

Our Right Track Account is for members 13-17 years of age. It requires a minimum deposit of only $5.00. We want to help Teen members Find a Path to Financial Freedom.

Open a Route 31 Right Track Account! This account will help teens safely learn financial responsibility while an adult joint owner is on the account. Route 31 CU will help by providing advice and helping them get started on the Right Track to Financial Freedom. We offer:

Debit Card & Checking
Parental Controls
Mobile Friendly App
Pay Anyone (like Venmo, but more secure)
Over 30,000 ATMs
No minimum balance fees
An E-newsletter
Birthday Cards
Eligible to Apply For Scholarships
Free Financial Coaching

College Scholarship Available!

We give out 4 $500 scholarships each year.

Christmas Club

A Christmas Club account is a special savings account you can use to save money for the holidays so you aren’t left feeling like Uncle Scrooge. Save for those additional expenses incurred during the holidays to help avoid financial pressure and reduce stress.

Funds will be transferred to your share account on November 1st of each year.
Dividends are compounded and posted quarterly.
Deposits can be made through payroll deduction and direct deposit, ACH, by mail and in person.
Deposits made after the rollover date automatically restart the Christmas Club for the next year.

Vacation Club

Save for that special vacation with a Route 31 Credit Union Vacation Club account.

A minimum amount of $5.00 to open this account
Dividends are compounded and posted quarterly
Deposits can be made through payroll deduction and direct deposit, ACH, by mail, in person and online.
Members can withdraw money from their vacation club at any time without penalty.

Tax Club

You can save money in a Tax Club account, so you’ll have money when your taxes are due. This account earns the same dividend rate as a regular savings account. Requires a minimum $300 balance to earn a dividend. Deposits and withdrawals can be made at any time.

Phone: (231) 726-4871

Routing Number: 272483170

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Equal Housing Lender

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.