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Christmas Club

More holiday cheer. Less holiday stress.

Holiday expenses can add up quickly. A Christmas Club Account helps you save a little throughout the year so you’re ready when the holiday season arrives. With automatic savings options, competitive dividends, and no monthly maintenance fee, you’ll have money set aside for gifts, travel, celebrations, and more—without relying on credit cards. 

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Save for the Holidays with Confidence

Holiday expenses don’t have to catch you by surprise. A Christmas Club Account helps you save gradually throughout the year so you can enjoy the season without the financial stress of last-minute shopping or relying on high-interest credit cards.

How It Works

Opening a Christmas Club Account is simple. Deposit money whenever you’d like or automate your savings with recurring transfers or direct deposit. On November 1, your full balance is automatically transferred to your Regular Savings Account, giving you access to your holiday savings just in time for shopping and seasonal expenses.

  • Open with just $5
  • Save throughout the year
  • Add money anytime
  • Set up automatic deposits
  • Funds transfer automatically on November 1

Build Better Saving Habits

Saving a little throughout the year can make holiday expenses easier to manage. Automatic transfers help you stay consistent without having to think about it.

Avoid Holiday Debt

Having money set aside before the holidays can help reduce the need to rely on credit cards or dip into your emergency savings.

Enjoy the Season

Whether you’re shopping for gifts, planning holiday travel, decorating your home, or hosting family gatherings, you’ll have savings ready when you need them.

Get Started

Savings Account Rates

Account Type Rate1 APY2
Regular Savings 0.05% 0.05%
Business Savings 0.05% 0.05%
Savvy Savings 0.05% 0.05%
Christmas Club 0.05% 0.05%
IRA Savings 0.21% 0.21%

Keep Building Toward Your Goals

The right savings account is just the beginning. Explore additional products designed to help you make the most of your money.

Money Market Accounts

Earn higher dividends while maintaining convenient access to your savings.

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Share Certificates

Lock in a competitive fixed rate and watch your savings grow with guaranteed returns.

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Personal Checking

Pair your savings with a checking account designed for everyday banking.

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Financial Wellness

Explore calculators, articles, and educational resources to help you make informed financial decisions.

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Christmas Club FAQs

Have questions about Christmas Club Accounts? Whether you’re planning ahead for holiday shopping or looking for an easier way to save throughout the year, we’re here to help.

A Christmas Club Account is a great choice if you want to save for holiday gifts, travel, entertaining, decorations, and other seasonal expenses without relying on credit cards or last-minute budgeting. Saving a little throughout the year can make the holidays more enjoyable and less stressful.

A Christmas Club Account is specifically designed for holiday savings. While a Regular Savings Account gives you year-round access to your money for any purpose, a Christmas Club Account helps you save throughout the year and automatically transfers your balance to your Regular Savings Account on November 1, just in time for holiday shopping and seasonal expenses.

Open your account with just a $5 minimum deposit and save throughout the year by making deposits whenever you’d like or setting up automatic transfers or direct deposit. On November 1, your full balance is automatically transferred to your Regular Savings Account, giving you access to your holiday savings before the season begins.

Yes. You can set up recurring transfers or direct deposit to make saving simple and consistent throughout the year. Automatic savings help you stay on track without having to think about it.

No. Christmas Club Accounts have no monthly maintenance fee, making it easy to save for the holidays without worrying about additional costs.

Yes. Deposits at Floridacentral Credit Union are federally insured by the National Credit Union Administration (NCUA) up to the maximum amount allowed by law.

Your Christmas Club Account is designed to encourage saving throughout the year, with funds automatically transferred to your Regular Savings Account on November 1. If you need to access your funds before then, please contact Floridacentral to discuss your options and any applicable account terms.

Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you reach your savings goals.

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Disclosures

1 Rates as of September 9, 2026, and subject to change without notice.

2 APY - Annual Percentage Yield. The APY assumes interest remains on deposit until maturity. Interest will be compounded and credited monthly. Restrictions apply. Contact Floridacentral for complete details.