Transparency
Full Disclosures
Everything you need to know about how Savings.Club works, our fee structure, risk factors, and regulatory alignment. No fine print hidden.
Last updated: February 2026
These disclosures are provided for transparency and are not a substitute for reading your specific membership agreement. Your membership agreement contains the binding terms of your savings club participation.
Nature of Service
Savings.Club is a savings club administrator operated by Savings Club Financing Technologies, LLC. We administer cooperative purchasing groups ("savings clubs") where members contribute monthly to a shared pool to acquire high-value assets. We are not a bank, credit union, broker-dealer, or investment advisor. We do not accept deposits in the banking sense, and member contributions are not bank deposits. Savings clubs are cooperative purchasing arrangements, not securities or investment products.
Flat Fee Disclosure
Members pay a flat administrative fee in addition to the asset value. The maximum flat fee is 9.9% EAPR (Effective Annual Percentage Rate). The exact fee for your specific club is disclosed in full before enrollment and is fixed for the duration of your membership. The flat fee does not compound. There are no hidden charges, origination fees, dealer markup on rates, GAP insurance requirements, or prepayment penalties. The flat fee is the only cost above the asset price.
Asset Acquisition Timeline
The timeline for receiving your asset depends on your Savings Score, which is influenced by contribution consistency, advance contributions, and optional bidding. Savings.Club does not guarantee a specific award date. Some members may receive their asset early in their term; others may receive it later. The Savings Score algorithm is proprietary and may be updated to improve fairness. Historical award timelines are not guarantees of future performance.
Trust Structure
Member contributions are held in an irrevocable trust managed by Jackson Hole Trust Company (independent trustee) and held at US Bank (FDIC insured up to $250,000 per depositor). The trust is structured to protect member funds even in the event that Savings.Club ceases operations. However, FDIC insurance covers bank deposits, not the performance of the savings club itself. The trust structure provides significant protection but does not eliminate all risk.
Savings Comparisons
All savings comparisons on this website are based on publicly available market data for average APR rates by credit tier, standard loan terms, and the Savings.Club flat fee structure. Actual savings will vary based on your specific credit profile, the rates available to you, the asset you choose, and your club's terms. Comparisons use the following baseline assumptions unless otherwise stated: bank rates from Federal Reserve and Experian published averages, 60-month term for vehicles, 30-year term for real estate. Past savings are not guarantees of future savings.
Credit & Eligibility
Savings.Club does not perform hard credit pulls. Joining a savings club does not affect your credit score. All credit profiles are accepted. However, acceptance into a savings club does not guarantee asset acquisition on any specific timeline. Members must maintain their contribution schedule to remain in good standing. Savings.Club reserves the right to verify identity and conduct anti-fraud checks as required by law.
Marketing Practices
All marketing materials comply with FTC Act Section 5 truthfulness requirements. We do not use fake testimonials, fabricated urgency, or deceptive advertising. When we present savings calculations, the assumptions and methodology are disclosed. When we reference regulatory alignment, we specify which laws and bodies we align with. We do not claim to be "regulated" in the same sense as a bank or broker-dealer. We claim alignment with applicable consumer protection laws.
State Availability
Savings.Club currently operates in Texas, Florida, Massachusetts, and Connecticut. Availability in additional states is subject to regulatory review and operational readiness. Not all asset classes may be available in all states. Check with Savings.Club for current availability in your state.
AI Assistant Disclosure
ROTEX AI is an artificial intelligence assistant designed to provide information about savings clubs and the Savings.Club product. ROTEX AI is not a financial advisor, lawyer, or licensed professional. Information provided by ROTEX AI is for educational and informational purposes only and should not be considered financial, legal, or investment advice. Always consult with qualified professionals before making financial decisions.
Risk Factors
While savings clubs offer significant advantages over traditional financing, they are not risk-free. Key risks include: (1) Award timing is not guaranteed — your Savings Score determines when you receive your asset. (2) Asset prices may change between enrollment and award. (3) The savings club model depends on member participation — if insufficient members contribute, award timelines may be affected. (4) Early withdrawal may result in reduced refund amounts as specified in your membership agreement. (5) Savings.Club is a relatively new company and the savings club model is new to the United States market.