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Make the Most of Your Savings This Christmas

The true meaning of Christmas is peace on Earth and a celebration of our Savior's birth. But all the gift-giving and Christmas parties are a fun addition to a festive holiday season.

A Christmas Club Account is a savings account that pays higher dividends on deposits to help you save more throughout the year for holiday expenses. Your funds will be disbursted once a year to allow you to maximize the monthly dividends you may earn. 

  • Save throughout the year for holiday expenses
  • Greater dividend rate than regular savings
  • Dividends paid monthly
  • Full balance automatically disbursed on November 1st
  • Withdrawal limits apply1
  • Balance may not exceed $20,000
  • 24/7 access to your finances
  • Access your accounts at over 5,000 nationwide branches through the shared branch network

Federally insured by the National Credit Union Administration to $250,000.

Excess coverage for consumer accounts up to $200,000 by American Share Insurance.

1) Regulation D limits certain account transfers/withdrawals to six (6) per calendar month. Limited transactions include: Pre-authorized, automatic, online or telephone withdrawals or transfers to the member’s own account at the credit union or that of a third party; transfers or withdrawals made by check, draft, debit card or similar payable to a third party; overdraft transfer services. Transactions NOT included in the six transfer/withdrawal limit are as follows: Transfers or withdrawals made by the member in person or through an ATM, by mail or by telephone (which results in the mailing of a check made payable to the member). If the accountholder attempts to exceed these transfer limits a fee may be imposed and the credit union may reclassify or close the account. See Truth in Savings for full disclosure.

Personal Checking and Savings

Product Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
Basic Checking $15 N/A N/A N/A N/A N/A
Secure Checking $10 $1,500 0.10% 0.10% Variable Monthly
Regular Share / Savings $0 $100 0.25% 0.25% Variable Quarterly
Buddy Bee Savings $0 $25 0.35% 0.35% Variable Quarterly
Varsity Savings $0 $25 0.35% 0.35% Variable Quarterly
Varsity Checking $5 N/A N/A N/A N/A N/A
College Student Savings $0 $100 0.25% 0.25% Variable Quarterly
College Student Checking  $5 N/A N/A N/A N/A N/A
Christmas Club Account* $10 $10 0.40% 0.40% Variable Monthly
Vacation Club Account* $5 $5 0.40% 0.40% Variable Quarterly
EduShare™ $50 $50 0.50% 0.50% Variable Quarterly

*Maximum account balance: $20,000. If balance exceeds $20,000, the rate drops to the regular share/savings rate.

Personal Membership Forms

Become a Member

Additional Account Forms

Membership Information

  • Consumer Fee Schedule ( Print )
  • Overdraft Privilege Program Disclosure ( Print )
  • Statement of Faith ( Print )

Member Relations

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800.343.6328 Option #6

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