Do the holidays always catch you by surprise?  Don't be surprised again!  Sign up for 2010 Christmas Club account today! Minimum $5.00 to open / $3,000 maximum deposit Deposits from November 1 - October 31 No withdrawals prior to October 31 Excellent opportunity to save for the Holidays! Interest Rate: 1.49% - 1.50% APY* Interest paid annually at time of distribution Funds will be deposited into your share account on November 1 Accounts available for re-opening November 1 *APY - Annual Percentage Yield Rates effective 1/28/10