Thanks for the responses.
I know I will definitely not use all 4800 points in 2016, maybe just some of them. I presume that a deposit fee in 2015 will be cheaper than a rescue fee in 2016, plus I believe I would still have the flexibility to rescue any of the unused 4800 points in 2017 into 2018.
4800 is not a lot, are you sure you wont use them?
Here are the rules for deposit:
Club Deposit. On or before December 31 of the current year, Members may deposit any or all of their next year’s allotment of ClubPoints into the following year’s account (a “Club Deposit”). For example, prior to December 31, 2015, Members may deposit their 2016 allotment of ClubPoints into 2017. Deposited points may not be used to make a Home Week reservation and may not be carried over beyond one (1) year. A Deposit Fee applies.
The fee is the same to deposit or rescue, $99. This year the rescue fee was reduced to $66 if the transaction was done in Oct/Nov to encourage owners to avoid the December crunch when the web site and call center gets a lot of transactions.
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