Frequently Asked Questions
Everything you need to know about Savings.Club, organized by topic. Cannot find your answer? Talk to a Savings Expert.
❓ General
Savings.Club is a member-directed cooperative purchasing platform. Instead of borrowing money and paying interest, members pool monthly contributions into a common fund. Each month, one or more members receive a purchasing voucher to acquire their asset. The fee you pay is flat — calculated once, disclosed upfront, and never changes.
No. Savings.Club is not a bank, lender, or financial institution. We do not issue loans, accept deposits, or charge interest. Member contributions are held in an irrevocable trust overseen by Jackson Hole Trust Company, with accounts at US Bank (FDIC-insured).
With a loan, you borrow money and pay back principal plus interest — which means the total cost of your asset is often double its purchase price over time. With Savings.Club, every dollar you pay goes toward owning your asset. There is no interest, no compounding, and no lender profiting from your debt.
Member contributions are held in an irrevocable trust — meaning Savings.Club cannot access or redirect your funds. The trust is overseen by Jackson Hole Trust Company, a licensed fiduciary, and the accounts are held at US Bank, an FDIC-insured institution.
A flat fee is a one-time administrative charge calculated at the time of enrollment. It is disclosed upfront and never changes. Unlike interest, it does not compound or grow over time. Your monthly contribution is the same from month one to your final payment.
All credit profiles are accepted. Savings.Club does not require a minimum credit score and does not perform hard credit inquiries. You may optionally share your credit score to improve your Savings Score ranking, but it is never mandatory.
No down payment is required to join. Your first monthly contribution is your entry into the club. There are no upfront lump-sum payments beyond the flat fee, which is spread across your monthly contributions.
Savings.Club currently operates in Texas, Florida, Massachusetts, and Connecticut. We are actively expanding to additional states. Join the waitlist to be notified when we launch in your state.
The Savings Score is Savings.Club's proprietary, patent-pending ranking system. It replaces the lottery system used by traditional savings clubs with a merit-based model. Your score is calculated monthly based on factors entirely within your control — including contribution history, referrals, and engagement. The member with the highest Savings Score in their club receives the purchasing voucher each month.
🚗 Vehicles
Any street-legal vehicle — cars, trucks, SUVs, motorcycles, electric vehicles. New or used. Any manufacturer. Any dealership. The purchasing voucher is yours to use at any licensed dealer in your state.
🏢 Commercial Real Estate
Yes. Commercial real estate clubs are available for investors, business owners, and developers looking to acquire office, retail, industrial, or mixed-use properties without traditional financing.
🤖 Robots & Robotaxis
Yes. Savings.Club has dedicated clubs for autonomous vehicles and humanoid robots. These are income-generating assets — the monthly revenue from operating them can offset or exceed your club contribution, making them uniquely compelling through our model.
🏠 Residential Homes
Residential home clubs are coming soon. Join the waitlist to be among the first notified when they launch. The model eliminates mortgage interest entirely — on a $400,000 home, that could save you nearly $500,000 over 30 years.
✈️ Aircraft
Private planes, helicopters, light sport aircraft, and business jets. Clubs are structured based on asset value. Contact a Savings Expert for specific aircraft club availability.
🛜 Heavy Equipment
Construction equipment, agricultural machinery, medical equipment, and industrial assets. Equipment clubs are available for businesses looking to acquire revenue-generating assets without traditional equipment financing.
🛡️ Trust & Security
Your contributions are held in an irrevocable trust overseen by Jackson Hole Trust Company, a licensed fiduciary. Trust accounts are held at US Bank, which is FDIC-insured. Savings.Club has no ability to access or redirect trust funds for any purpose other than member benefit.
💼 Inner Circle & Savings Experts
The Inner Circle is Savings.Club's network of trained Savings Experts — independent advisors who help educate prospects, guide members through enrollment, and build their own book of business on a commission basis. If you are interested in becoming a Savings Expert, visit our Careers page.
Still have questions?
Our Savings Experts are real people who understand the product inside and out. Schedule a call and get your questions answered directly.