The Christmas Club savings account is a convenient way to save money for the holiday season.  Withdrawals are only allowed November 1st through December 31st of each year and ATM access is not available for this account.  The account can be closed at any time with no penalty.  Payroll deduction is available (provided your employer allows). 

Product Features:

• There is no minimum deposit requirement.
• Dividends are paid and compounded quarterly.
• ATM access is not available.
• Withdrawals are only allowed November 1st through December 31st of each year without paying a fee of $2.00 per withdrawal.
• Direct Deposit or Payroll Deduction available.

Product Benefits:

• Easy.  Account can be opened by phone for any member in good standing. 
• Convenient. With direct deposit or payroll deduction, a little deposit each month adds up to help you with holiday expenses.
• Affordable.  Low balance requirements make it easy to get started.