Christmas time is a wonderful time to spend with family and friends, but may also be a time when budgets become tighter. With the Christmas Club account, you can save money for the holiday season separate from your regular savings. You could even have a payroll deduction put into the account each month. At Christmas time, you have a great little present for yourself and money for those gifts you want to give.

Christmas Club		Christmas Savings
This is a “traditional” Christmas Savings Plan. Deposits are accepted throughout automatic transfers, payroll deduction and pre-authorize transfer from another institution. Withdrawals or transfers from the account are NOT PERMITTED during the year. A check for the balance will be mailed to the Member early each November. There is a $15 early withdrawal fee, if the balance is withdrawn before the checks are mailed in November.		Just like a regular savings account, this Christmas savings is available to those who want to save for the holidays. Deposits, withdrawals, and transfers are allowed during the year. No check is mailed, as funds are available year round.