Your membership is a portfolio of options. Always.
Joining a savings club is not a one-way commitment to a specific asset on a specific date. It is a position you can hold, use, sell, bridge, pause, renew, or step away from, with full disclosure on each. This page lays out every option open to you and when each one fits.
- Full disclosure on each
- You set the pace
- Half-paymentEase off when the budget is tight, stay in the club.
- FreezePause contributions anytime. No penalty.
- Transfer or exitMove your membership or step out. Your money is in trust.
SEVEN OPTIONS, ANYTIME YOU NEED THEM
Hold. Use. Sell. Bridge. Pause. Renew. Step away.
Every option below is documented in your member agreement up front. You choose the one that fits your situation, and you can change your mind as your situation changes.
Hold: keep your position, no urgency required.
You can stay in your savings club for as long as you keep meeting your contribution schedule. Time in good standing compounds in your Savings Score, and your voucher cycles continue. There is no penalty for not needing the asset on a specific date. Best when: you want flexibility on timing and prefer to build your Savings Score before you claim your Purchasing Voucher.
Use: claim your voucher, acquire the asset.
Once your Purchasing Voucher is awarded, you redeem it with any licensed dealer, broker, or private seller, and you take title to the asset outright. You keep contributing on the post-voucher schedule until your club obligation is fulfilled. Best when: the asset is ready, the seller is identified, and your voucher has arrived.
Sell: assign your position to another buyer.
If you are in good standing, you can transfer your savings-club position to another qualified buyer, subject to club rules and the required administrative steps. The buyer takes over the contribution schedule from that month forward, and you receive the agreed transfer value. Best when: your life changes and you want to recover your accumulated contribution value.
Bridge: reach your asset before your voucher cycle completes.
If you do not want to wait for the standard cycle, you can apply for a bridge from a partner credit union or community bank. It is a real third-party loan, secured by your accumulated contributions, which means those contributions act as collateral so the lender can offer better terms. You acquire the asset early, and the bridge is repaid when your Purchasing Voucher arrives. Best when: you need the asset sooner and the bridge terms work for you.
Pause: take a structured half-payment window.
If you are eligible, you can elect a half-payment window and contribute 50% of the scheduled monthly amount for a defined period. The deferred half is added to your post-voucher schedule, so your total club obligation is unchanged. This is disciplined short-term relief, not a default. Best when: a medical bill, income disruption, or seasonal expense calls for a short cash-flow window.
Renew: roll into a second club.
When you complete a cycle, you can roll into a second club at the same or a different value bracket and carry your accumulated good-standing forward. Many fleet operators, dealers, and asset investors run a continuous rotation of clubs, each producing a voucher on a predictable cadence. Best when: the model has worked once and you want to keep the rotation running.
Step away: stop contributing and recover your money.
You are never locked in. After the 7-day cancellation window, you can stop contributing at any time, and we remove your payment method. Our obligation continues, and your accumulated contributions are returned on the trust's withdrawal schedule, with the administrative fees disclosed in your member agreement. Best when: the savings-club model no longer fits your situation and you want your contributions back.
WHERE YOU STAND, ANYTIME
Every option starts from where you stand today.
Your standing is not a static file. You are ranked by Savings Score in every Monthly Selection, and that ranking is what your options build on: hold to climb it, use it when your voucher arrives, or carry it forward when you renew. You can see exactly where you stand before you pick a path.
- Time in good standing compounds in your Savings Score, so patience moves you up the ranking.
- Your voucher cycles continue no matter when you plan to use them, and your standing does not decay.
- You keep every option open: hold today, use next year, or transfer your position.
- Your contributions stay protected in the Common Fund at Jackson Hole Trust Co. throughout.
Credit Voucher
PARTICIPANT
MC#0064
64
SAVING SCORE
PARTICIPANT
MC#0058
58
SAVING SCORE
PARTICIPANT
MC#0051
51
SAVING SCORE
PARTICIPANT
MC#0047
47
SAVING SCORE
Common questions.
You can hold for as long as you keep meeting your contribution schedule. There is no expiration on your participation while you stay in good standing. You can deliberately hold for the full cycle window and beyond, building your Savings Score before you claim your Purchasing Voucher for a specific asset.
The asset is one of your options. Your membership itself is the value.
See where you stand and which option fits your situation today, and know that your other options stay open when your situation changes tomorrow.
Available in TX, FL, MA, and CT.