Add a little more "peace on earth" to the Christmas season. This account helps you save year-round so holiday expenses don't stress you out when it's time to start making a list and checking it twice.

• Save for holiday expenses
• Earn interest, higher than regular savings
  • $10 minimum daily balance required to earn the APY*
• $10 service charge per withdrawal if made before November 10th 
• Balance paid to you by November 15th annually
• Free online banking
• Free mobile banking 
• Free eStatements 
• $10 minimum deposit to open

*APY = Annual Percentage Yield

There is a $20 fee for closing the account within 90 days.

Ask your account representative for the most current interest rates and annual percentage yields. The interest rate and Annual Percentage Yield (APY) for your account depend upon the applicable rate tier and can change at any time at our discretion. Interest will be compounded daily and credited to your account at statement cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items, (for example, checks). You must maintain a minimum balance in the account each day to obtain the corresponding APY. We reserve the right to require not less than 7 days' notice in writing, prior to each withdrawal. Fees may reduce earnings. 

Statements will be generated quarterly unless a combined checking and savings statement is requested, or the account has electronic debits or credits.