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Start saving for the holidays today! Starting each October, members may make deposits to a Christmas Club account in person or through payroll deduction. Savings earn dividends which are paid quarterly. Funds in this account will be transferred to your share account the following October, just in time for Christmas.

Fees
Withdrawal fee - $10 and account is closed.

^{TERMS & CONDITIONS
1}Annual Percentage Yield     ² To earn stated APY
All savings accounts are variable rate and as such, 
rates are subject to change at any time without prior notice.
The APY is accurate as of 7/1/2008. 
Fees or other conditions may reduce earnings.
Please consult a credit union employee for more information.

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