Do the holidays catch you short of funds? Make shopping easier by opening a Christmas Club and save year round. Why not use payroll deduction and deposit a portion of your pay check to this account each pay period? This account may be opened anytime throughout the year and dividends are paid on a monthly basis. The first part of November, funds are automatically transferred to your basic share account. If you prefer to have a check sent to you, you may contact the credit union for that request. Christmas Club members may receive a dated ornament each year by request.