TRUST CENTER
Every claim we make is verifiable. Here is exactly how Savings Club works and why your money is safe.
U.S. Bank
holds the trust account
SIX PROTECTIONS
While it waits to be used, the money in the common fund sits in an FDIC-insured account at U.S. Bank. Once a voucher is used, that money is no longer on deposit. It is secured by a lien on what it bought. Savings Club is not a bank. FDIC insurance covers only the failure of U.S. Bank, and only when the conditions for pass-through coverage are met.
Savings Club charges a single flat administration fee on the asset price. That is it. No compound interest, no hidden charges, no rate changes. The fee is agreed upfront and spread evenly across your payments, so you know your total cost before you join.
The savings club model dates back to 12th-century Japan (documented in peer-reviewed academic literature). In 1775, the first cooperative purchasing society was founded in England. Today, the model operates in over 90 countries. In Brazil alone, it has been regulated by the Central Bank since 1962 and has facilitated over $200 billion in asset purchases.
If you decide Savings Club is not for you, you can withdraw your contributions. There is no lock-in, no penalty for changing your mind. Your money is yours.
Every pool, every allocation, every fee is visible to members. You can see exactly where your money is, how the pool is performing, and when your allocation is projected. No black boxes.
When you use your voucher, it becomes a loan. You repay it with no interest and a flat fee.
90+
countries where the model operates
800+
years of proven history
$200B+
in asset purchases in Brazil alone
Sources: Emerald (PRISMA systematic review), Dekle 1999 (Columbia University), ABAC / Banco Central do Brasil.
STRAIGHT ANSWERS
Still have questions? Contact our team anytime about how your money is protected.
While it waits to be used, the money in the common fund sits in an FDIC-insured account at U.S. Bank. Once a voucher is used, that money is no longer on deposit. It is secured by a lien on what it bought. Savings Club is not a bank. FDIC insurance covers only the failure of U.S. Bank, and only when the conditions for pass-through coverage are met. The membership itself is not a deposit or a security.
Contact our team anytime about how your money is protected, or run your own car or home in the calculator.
Available in TX, FL, MA, and CT.
