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Do you go into debt every year to pay for all the expenses associated with the Holiday Season?  Do you have a difficult time saving for Christmas or do you plan to purchase something really big and expensive next year?  If this describes you then you might very well benefit from a Christmas Club.

You may deposit to your Christmas Club little by little through Direct Deposit or Payroll Deduction.  Or you can always deposit extra money to it too.  You can change the automatically deposited amount at any time.

Christmas Clubs may be opened between October 15th and January 15th of the following year.  Each year on October 15th, the funds in your Christmas Club will automatically transfer to your Share Savings account.  It then stays in Share Savings until you need it.  PCU club accounts renew automatically every year. Click here for current rates.

A Vacation Club is perhaps the most versatile club account of all.  There is no date restriction on this type of account.  So if you want to take vacations in Winter, Spring, Summer, or Fall the choice is yours.  The only restriction is that there may be only two withdrawals per calendar year without a penalty.  Vacation Clubs may be opened at any time of year.  Of course what you do with your money is up to you, so you may use this account to save up for something besides vacations such as Taxes or Insurance premiums that you only pay at certain times of the year.

Click here for current rates.

This club account was created specifically for elementary, middle school, and high school teachers as a way to replace that missing paycheck during the Summer months.  If a teacher or other school worker only works tem months out of the year and they do not get a paycheck for the months of July and August, the Summer Club allows them to save up money throughout the year so that two checks can be made from the account during the Summer.  Half of the funds in the Summer Club are transferred in July and the other half in August.

Click here for current rates.

This account is exactly like a Regular Share Savings account.  It basically gives the option of having a second share savings that cannot be accessed by an ATM or Check Card.  This is good if you really want to save money.  Funds may be withdrawn at any time without penalty.  The interest rate is usually less than that of the Club accounts.

Click here for current rates.

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