You may open a Christmas Club at anytime during the year by simply calling or e-mailing the Credit Union.  You may make deposits (there is no minimum deposit required) through payroll deduction, Direct Payment, automatic transfer from another account, by mail, or Aover the counter@.

The purpose of this account is to save for your Christmas expenses, so Santa will not allow you to make any withdrawals.  We will automatically send you a check (or make a deposit to your savings or checking account) during the second week of October.  The check will include all deposits and dividend postings made to the account from October 1 through September 30.  If you must make a withdrawal, prior to the second week of October, then the account must be closed, dividends will be posted, and you will not be able to reopen it until after September 30.