Christmas Club

A special account for special savings goals.

 
Put more money in the bank and bring more joy to your world
Person holding a Christmas present hugging a friend.
Make the winter holidays merrier and summer vacations sunnier with this high-interest savings account.




This year you can play Santa's helper by setting aside cash year-round for nice gifts, family gatherings and glittery decorations. Or you can use this high-interest account to save for an exciting vacation, a wedding celebration, a new boat, a backyard pool or anything else on your wish list.
 
  • No monthly service charge
  • No minimum balance
  • 3.75% APR paid on balances up to $10,000
  • Make as many deposits as you wish
  • Build your balance with Direct Deposit and automatic transfers from your checking or savings account
  • Manage funds and track progress with Online and Mobile Banking tools
  • For Christmas Club accounts, funds will be made available in October of each year     












Interest paid on balance up to $10,000. No monthly service charge. No minimum balance. Interest rate will not change during club plan. Current interest rate is for 2025 club plan and is subject to change for 2026 Christmas Club accounts. Fee for early withdrawal is $10 per withdrawal, which will reduce the earnings on the account.
 
Disclosure For All Interest Bearing Deposit Accounts
 
The following applies to all interest-bearing accounts listed on this schedule of fees and services. The interest rate and Annual Percentage Yield (APY) are subject to change weekly.
 
  • Balance Computation Method: We calculate the interest on your account using the daily balance method. This method applies the daily periodic rate to the principal in the account on each day. Interest is paid (credited) and compounded monthly, except for Regular Savings, which is paid (credited) and compounded quarterly.
  • Accrual: Interest begins to accrue no later than the day we receive full credit for the deposit of non-cash items (for example, checks)
  • All interest-bearing accounts are variable-rate accounts. We may change the rate at our discretion.
  • If you close your account before interest is credited, you will receive interest only if you notify us at the time of closing. You will not receive your accrued interest if you do not tell us you are closing your account.
  • Effect of Fees: Fees may reduce earnings.