Christmas Club
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 offers a convenient way to put money away and earn interest above the regular savings account rate with no monthly fee.

Saving for the Christmas season made simple

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. Direct deposit a portion of your paycheck each pay period into your account to build your savings throughout the year. This account can be opened with as little as $10, and your balance is transferred on November 1 each year to your Traditional Savings or Checking account.

Benefits of Christmas Club accounts:

  • No monthly service fee1 and earn dividends on balances $10 or more.
  • Full balance automatically disbursed on November 1
  • Balance may not exceed $20,000
  • Review balances using the mobile app or online banking services.
  • Nationwide access to over 5,600 shared branches and 30,000 surcharge-free ATMs2

Today's Rate - Valid 10/21/2020
Christmas Club
0.20%
APY3

Digital Services
With ACCU Online Banking and Mobile App, you can conveniently manage your money with access to your account anywhere, anytime.
  • Save time and money
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Highest level of security
  • Eliminate paper waste
  • Simplify recordkeeping
  • Reduce chance of identity theft
  • Arrive faster than paper statements
  • Fast, free, and easy
  • Online Banking in palm of hand
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Over 5,600 branch locations
  • Make deposits, withdrawals, and more
  • Easy online branch locators
  • Locate by phone or mobile app
  • Over 30,000 ATM locations nationwide
  • Partnered with the CO-OP network
  • Search for ATMs online
  • Withdraw cash and more
  • Save time and money
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Highest level of security
  • Eliminate paper waste
  • Simplify recordkeeping
  • Reduce chance of identity theft
  • Arrive faster than paper statements
  • Fast, free, and easy
  • Online Banking in palm of hand
  • Available 24/7 from anywhere
  • Set up helpful email alerts
  • Over 5,600 branch locations
  • Make deposits, withdrawals, and more
  • Easy online branch locators
  • Locate by phone or mobile app
  • Over 30,000 ATM locations nationwide
  • Partnered with the CO-OP network
  • Search for ATMs online
  • Withdraw cash and more
Savings Goal Calculator

Ready to start saving? Determine your budget for Christmas expenses and calculate the amount you need to save each month. It is quick and easy to deposit a check using remote deposit capture or transfer money through online or mobile banking.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

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As a member of America’s Christian Credit Union, we’re dedicated to providing you all the support you need to reach your financial goals along with a premier banking experience.
Christmas Club Frequently Asked Questions

What is a Christmas Club account?

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. On November 1 this account will be disbursed into a secondary account.

Is there a monthly fee for a Christmas Club account?

No! The Christmas Club account does not have a monthly service fee. However, there is a $3.00 paper statement fee per month, which can be waived when you sign up for eStatements.

Is there a minimum deposit required to open a Christmas Club account?

Yes, there is a $10 minimum deposit required to account opening and minimum deposit to earn dividends.

Is there a minimum balance requirement?

No, there is no minimum balance required for this account. However, there is a $30.00 overdraft fee if your account balance falls below your attempted transaction.

Do I need to be an America’s Christian Credit Union member to open a Christmas Club account?

Yes, you will need to become a member or already have membership established to open a savings account at ACCU. It is a government requirement that we both create membership and collect certain information to help prevent fraud and combat terrorism.

How can I access my accounts?

Our mobile app and online banking services make it easy to access your account anytime and anywhere. Transfer funds, send and receive money, pay bills or deposit checks right from your phone. And, of course, there are over 5,600 shared-branching locations, and a network of more than 30,000 CO-OP ATMs nationwide2. View all locations here.

Can I deposit a check with my phone?

Yes! You can deposit a check using Remote Deposit in America’s Christian Credit Union mobile app to deposit a check in seconds. It is available in the Google Play Market and Apple App Store. Click here to learn more.

Can I open a Christmas Club account online?

Yes, apply online in minutes!

1 – Statement fee is waived with enrollment in free electronic statement service. Otherwise, a monthly paper statement fee of $3.00 will apply. See consumer fee schedule for full list of applicable fees. 

2 – Via Co-Op Network. Visit Co-opfs.org for a complete list of surcharge-free ATMs and shared branch locations.

3 – APY = Annual Percentage Yield.