You will really enjoy this holiday season if you set up a Christmas Account! All you have to do is make regular deposits into this account on a biweekly or monthly basis. Then, when the Christmas season rolls around, you'll have the funds in time to cover the costs of gifts and other expenses.

How It Works
You must be a member with $25.00 on deposit in your regular share account. The minimum payroll deduction amount is $10.00 per pay period. You may also come in and make deposits personally. The amount you save is up to you with a maximum of $10,000.00.

Dividends are paid at the rate declared by the Board of Directors each quarter. Christmas Club Accounts earn dividends computed on the average daily balance and are compounded monthly.

Your funds will automatically be transferred to your checking or regular share account (your choice) the first week of November. Your Christmas Club Account membership and deductions continue year after year unless you request it discontinued.

Built-In Willpower!
No withdrawals are allowed from this account. You may close this account at any time, but if before November 1, you will be penalized the greater of $10.00 or 3% of the current account balance. A closed account may be reopened after November 1.