Vacation Clubs

Benefits  Allows you to save funds for vacation.  No enrollment period.  You may open the account at any time.  Deposits can be made by Cash, Direct Deposit or Payroll Deduction.
Dividend Period  Dividends will be compounded and credited to the account monthly.
Minimum Balance Requirements  None.  Dividends begin accruing with the first deposit.
Transaction Limitations  Limited to three (3) withdrawals per year.


2008 Christmas Clubs (can be opened any time of the year)
"Put away a little each pay, and have a happy holiday."

Benefits  Deposits can be made by cash, direct deposit or payroll deduction.
Dividend Period  Dividends will be compounded and credited to the account monthly.  If you close your Christmas Club before dividends are paid, you will receive the accrued dividends.
Minimum Balance  None.  Dividends begin accruing with the first deposit.
Transaction limitations  A $5.00 fee will be charged for each withdrawal prior to current year disbursement.
Disbursement  Accounts are liquidated the first week of October after dividends are paid.  Funds may be transferred to savings or checking or a check may be issued.  The Credit Union encourages you to use the transfer method to have immediate access to your funds.  Checks do take a little longer.  Your Christmas Club account will start automatically for the next year.