• Christmas Clubs open in mid-October
  • The Club season lasts for 50 weeks
  • Save money for gifts, travel and to host Holiday parties
  • Club accounts earn a fixed rate of interest which is compounded daily on balances greater than $20.00

Current Rates

Effective Date: Sunday, December 10, 2023

Savings & Money Market Accounts

BalanceInterest Rate APY
$20.00 and over

Interest rate and APY may change daily after the account is opened. Fees could reduce earnings.

* Interest rate and APY are fixed for the club year.

Rate Information:

Rate Information: This is an interest-bearing account. Please review our current rate schedule for interest rates and annual percentage yields.

Frequency of Rate Changes: The interest rate and annual percentage yield may change annually at the bank's discretion.

Compounding and Crediting of Interest: Interest is compounded daily and credited at the end of the club year.

Minimum Balance Requirements: There is no minimum deposit required to open an account. You must maintain a daily balance of $20.00 to obtain the disclosed annual percentage yield.

Balance Computation Method: We use the daily balance method to compute interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of Interest on Deposits: Interest begins to accrue on non-cash items (for example, checks) on the business day of deposit.

Withdrawal Limitations: If the account is closed prior to the end of the club year, all accrued interest will be forfeited.

Fees: A service charge of $5.00 will be imposed if the account is closed prior to the end of the club year.