Christmas Club


Let Spirit Financial help you take the stress out of your holidays. Open a Christmas Club account by visiting or calling our branch to open an account today.


Start a Club Account

A Spirit Financial Christmas Club makes saving for the holidays a breeze. You can make deposits into your Christmas Club account throughout the year, giving yourself a head start to holiday shopping and more. Make your deposits via payroll deduction or just occasionally deposit funds as your budget allows. At your request, the money can be rolled over directly into your savings or checking account.

Start Saving for the Holidays Today!

  • Christmas Clubs can be opened anytime of the year
  • Christmas Club accounts pay dividends
  • No monthly service charge
  • No minimum balance or minimum monthly deposit

To learn more about our Christmas Club Account or to open an account in person, please visit our Spirit Financial Credit Union office or call (267) 580-0230.

Account Rates

Effective Date 5/15/2018. Rates Subject to Change.

Account Type APR* APY**
Share Accounts 0.050% 0.050%
Vacation Accounts 0.050% 0.050%
Christmas Accounts 0.050% 0.050%