Christmas Club
Make the holidays stress-free by saving a little all year long. Our Christmas Club account helps you prepare for Christmas and other end‑of‑year expenses without the pressure of last‑minute borrowing.
No Minimum Balance
Start saving anytime.
Automatic Deposits
Make saving easy and consistent throughout the year.
Grow Your Savings
Earn dividends that help your money grow faster.
November Transfer
Your balance is automatically moved to your regular savings account each November—right when you need it most.
Built-In Guardrails
A $5 fee per withdrawal helps discourage dipping into your holiday savings early.
Peace of Mind
Avoid holiday stress by knowing your funds are ready before the season begins.
With a Christmas Club You'll get
Stress-Free Savings for the Holidays
For many of us, the holiday season can be the most expensive time of year. Food, gifts, utilities, taxes, and other year‑end bills can add up fast.
A Christmas Club account helps you spread those costs out over time instead of relying on high‑cost credit cards or last‑minute borrowing. By saving regularly, you can lower stress and look forward to the holidays knowing you already have a head start.
A Christmas Club Account Helps You:
- Avoid high-interest holiday debt and fees
- Build savings through small deposits throughout the year
- Plan ahead to cover food, gifts, and year-end bills
- Start the new year without leftover holiday balances
What could my recurring (monthly) savings grow to?
Different factors can impact the growth of your savings over time such as the frequency of deposits and the rate of compounding. Use this calculator to determine the future value of your recurring savings and any existing balance you might have accumulated.
Support to Save, Access When You Need It
Your Christmas Club account is designed to help you stay on track year-round. As a guardrail to support your savings plan, a $5 fee applies to early withdrawals. Then each November, the money you’ve saved is automatically moved into your regular savings account—ready to use fee-free for holiday spending and other end‑of‑year expenses.
*Membership eligibility required. Dividends and dividend rates are subject to change.
Become a Member
Join a credit union that truly puts its members first. With competitive rates, a commitment to financial education, personalized support in several languages, and a deep dedication to this community, we are here to help you achieve your financial goals.