Save for those special gifts--it's easy at your credit union. You can deposit any amount at any time. The best way is to set aside an amount each pay day through payroll deduction to your Christmas Club account. You may also make deposits by mail or in person at the main office. Withdrawals are discouraged; after all, it's for Christmas. Early withdrawals will close the account and dividends will be forfeited.
 
Look at these advantages:
* Start any time
* Deposit any amount
* Convenient payroll deduction
* Earn dividends at a competitive rate, paid to the account quarterly
* Renews itself for the next year unless you instruct us otherwise
* No minimum deposit
* No monthly fees
 
Our Christmas Club account runs from October 1 to September 30; funds are automatically deposited to your share account in early October