For members of Hilton Grand Vacations (HGV), understanding how to manage your ClubPoints is key to maximizing the value of your ownership. One of the most important annual dates for HGV members is the deadline for banking, or saving, unused points from the current year into the next.
As the end of 2025 approaches, it’s time to review your points balance and make a plan. The deadline to bank your 2025 points is December 31, but acting before November 30 can result in significant savings on fees.
Why Banking Your Points Matters
Banking allows you to roll over any unused ClubPoints from the current year into the following year, giving you more flexibility for future travel. If your plans changed or you simply didn’t use all your points in 2025, banking them ensures they don’t expire. These saved points can then be combined with your 2026 allotment, opening up possibilities for longer stays, larger accommodations, or more sought-after destinations. However, it’s important to be aware of the associated fees and deadlines, as proactive planning can save you money.
The Fee Structure for Banking 2025 ClubPoints
Hilton Grand Vacations encourages members to bank their points early by offering a tiered fee structure. The cost to save your points increases as the year progresses. Waiting until the last minute will cost you more. By banking your points before the end of November, you can avoid the highest fee tier.
Here is the typical fee schedule for saving your HGV ClubPoints:
Saved Points Exception |
|
|---|---|
| Saved Points Exception from Prior Year – January – Phone only | $349 |
Hilton Honors Conversion Fees |
|
| Hilton Honors Conversion – Club or Bonus Points – Phone/Online | $179 / $164 |
| Elite – Hilton Honors Conversion – Club or Bonus Points – Phone/Online | $179 / $164 |
| Elite Plus – Hilton Honors Conversion – Club or Bonus Points – Phone/Online | $179 / $144 |
| Elite Premier – Hilton Honors Conversion – Club or Bonus Points – Phone/Online | Complimentary |
Save Points Deposit | January — August |
|
| Save Points – Phone/Online | $139 / $119 |
| Elite – Save Points – Phone/Online | $139 / $119 |
| Elite Plus – Save Points – Phone/Online | $139 / $119 |
| Elite Premier – Save Points – Phone/Online | Complimentary |
Save Points Deposit | September — November |
|
| Save Points – Phone/Online | $159 / $139 |
| Elite – Save Points – Phone/Online | $159 / $139 |
| Elite Plus – Save Points – Phone/Online | $159 / $139 |
| Elite Premier – Save Points – Phone/Online | Complimentary |
Save Points Deposit | December |
|
| Save Points – Phone/Online | $259 / $239 |
| Elite – Save Points – Phone/Online | $259 / $239 |
| Elite Plus – Save Points – Phone/Online | $259 / $239 |
| Elite Premier – Save Points – Phone/Online | Complimentary |
RCI Deposit |
|
| RCI Deposit – Phone/Online | $179 / $164 |
| Elite – RCI Deposit – Phone/Online | $179 / $164 |
| Elite Plus – RCI Deposit – Phone/Online | $179 / $144 |
| Elite Premier – RCI Deposit – Phone/Online | Complimentary |
| Extending RCI Deposited Points – by phone only | $164 |
As the schedule shows, banking your points online is always the more cost-effective option. By completing the transaction on the HGV member website before November 30, 2025, you will pay $129. If you wait until December, that same online transaction will cost $199, a $70 difference.
Your Options for Saving HGVC Club Points
We have a series of step-by-step guides that can walk you through how to perform many of these actions online and save some money at the same time. Here are links to our guides for a few of the popular transactions that many HGV owners perform:
- How To Modify / Cancel A Hilton Grand Vacations Reservation Online
- How To Bank / Save Hilton Grand Vacation ClubPoints
- How To Deposit Hilton Grand Vacation ClubPoints With RCI
- How To Convert HGV ClubPoints Into Hilton Honors Points Online
How to Bank Your HGV ClubPoints Online
Banking your points is a straightforward process that can be completed in a few minutes through your HGV member account.
- Log In: Go to the official Hilton Grand Vacations member website and log in to your dashboard.
- Navigate to ClubPoints: Once logged in, find the section of your dashboard that manages your ClubPoints. This is typically labeled “My Points” or something similar.
- Select the Option to Bank/Save: Look for a link or button that says “Bank Points,” “Save Points,” or “Manage Points.”
- Confirm the Transaction: The system will show you the number of points you have available to bank and the associated fee. Follow the on-screen prompts to confirm the transaction and pay the fee.
After completing these steps, your unused 2025 ClubPoints will be designated as “Saved Points” and will be available for you to use in 2026.
Plan Ahead to Maximize Your Ownership
The November 30 deadline is a critical date for HGV members who want to save on fees while preserving their unused points. By taking a few moments to assess your 2025 points balance now, you can make an informed decision and avoid last-minute expenses.
Banking your points early not only saves you money but also gives you a head start on planning your vacations for the upcoming year. Log in to your HGV account today to ensure your points are ready for your next adventure.
