Plan Ahead for Christmas by Opening a Christmas Club Account!

This account is a great way to help you save for the holidays and year-end expenses. You won't be tempted to dip into your Christmas Club Savings Account because there's a penalty for early withdrawal.*

In the first week of November, all funds in your Christmas Club account are transferred to the account of your choice, either your Prime Share Savings Account or Share Draft (Checking), right in time for the holidays. This account can opened at anytime.

Tips on Saving

  • Set up a scheduled transfer to encourage savings throughout the year.
  • Choose an incremental savings amount that works with your budget, to help keep you on track towards your savings goals.
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APY = Annual Percentage Yield. The rates appearing here are accurate as of the effective date: June 17, 2019. If you have any questions or wish to request a Rate and Fee Sheet with terms and additional information, please call the Credit Union at 1-704-391-5600 or 1-800-622-5305. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. All services, such as loans, credit cards and checking accounts, are subject to approval.

** Reward Rates - 2.02% APY (Annual Percentage Yield) is paid on balances between $0.00 to $20,000.00 and 0.10% APY is paid on all amounts of $20,000.01 and above, each cycle that the minimum qualifications are met. Up to $25.00 in ATM Fees will be refunded each cycle that qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.10% APY; however, it will not receive ATM fee refunds for that time period. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. No monthly service charge. The qualification cycle is approximately one month long, but begins on the last business day of the previous month and goes through the second to the last business day of the current month. Eligible transactions must post during the qualification cycle in order to receive credit. Only one Rewards Checking Account may be opened per member, and any additional checking accounts will be opened as standard Share Draft Accounts.