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Opening a Club account is an excellent way to save and earn dividends for future Christmas and vacation expenses, especially when used with payroll deduction. Once set up, a specific dollar amount that you set can be deducted from each pay check and transferred into a Club account. This money will earn dividends equal to that of a primary share account - so you make money while you save money. Before long, you'll have a nice nest egg built and can enjoy a nice vacation or doing Christmas shopping without having to worry about where to get the funds.

Other benefits of opening a Club account:
  · No minimum to open
  · No monthly service charge
  · Minimum balance to earn dividends: $.01
  · Annual Pay-Out: Balance is automatically transferred into your savings or checking account
    (May 1 for vacation and November 1 for Christmas).