Ready to boost your savings with an Ascend Certificate account? Submit our online contact form or apply by phone at 800-342-3086.

Have you ever had to put your dream vacation on hold because your savings weren’t where they needed to be? Planning and saving strategically can make all the difference in turning your travel dreams into reality. Here are some practical tips to build your vacation fund and make your next big trip happen.

Set a Clear Goal
Start by deciding where you want to go and estimating the total cost. Consider expenses like flights, accommodations, meals, activities, and souvenirs. Having a specific savings target makes it easier to track your progress.

Budget for your Vacation
Once you have the estimated costs of your trip, track your spending and be sure to set aside money specifically for your vacation fund. Be sure to utilize an Ascend Federal Credit Union free budget worksheet to assist in your tracking.

Automate Your Savings
In Ascend Digital Banking, you can set up a portion of your paycheck to go directly into a savings account, bringing you closer to your goal without requiring much effort.

Cut Back on Non-Essential Spending
Look at your current expenses and identify areas where you can save. Cooking at home, canceling unused subscriptions, or opting for budget-friendly entertainment options can free up extra cash for your trip.

Boost Your Savings with a Share Certificate Account
If you're planning a trip a year or more in advance, consider an Ascend Share Certificate account as a safe way to grow your savings. With higher rates than traditional savings accounts and a fixed term, your money stays secure while earning more — helping you reach your travel goal faster.

By following these tips, you'll be well on your way to making your dream vacation a reality. And with smart saving strategies — like using a share certificate account to grow your funds — you can reach your destination even sooner!

With fixed rates, flexible term options, and a guaranteed return, Ascend Share Certificate accounts are a great way to boost your savings and help you work toward achieving your financial goals. Don’t wait — head to ascend.org/certificates and submit our online contact form or apply by phone at 800-342-3086.

Please see our Share Certificate Accounts Rate Schedule and Truth in Savings Disclosure for more details.

Federally insured by the NCUA. Share certificate account rates are subject to change weekly. Fees and/or other conditions may reduce earnings on the account. A penalty may be imposed for early withdrawal. A minimum deposit or other conditions may apply.