Why Choose a Christmas Club Savings Account?

• Holiday Savings Made Simple
  Build a dedicated holiday fund month by month — no holiday debt, no last-minute scramble.
  
  
• Automatic Payout Every October 15
  Your total savings (plus interest!) are automatically distributed on October 15 each year — perfectly timed for your holiday shopping.
  
  
• No Minimum Balance or Fees
  Start with any amount that fits your budget. There are no service fees and no minimum balance requirements.
  
  
• Earn Interest on the Entire Balance
  Your balance earns interest daily and compounds annually, giving your savings an extra boost.
  
  
• Bonus Rate for Automatic Deposits
  Enroll in automatic transfers and enjoy a competitive rate + bonus rate — making it easier to reach your goals.

Account Features

• FREE Mobile & Online Banking

• FREE Mobile Deposits

• FREE text & email alerts

• Automatic October 15 distribution

• Competitive interest rate + bonus rate

• No minimum balance, no service fees

• Interest accrued daily, compounded annually

• Perfect for budgeting holiday travel, gifts & traditions

How the Christmas Club Works

1. Open your account at any Neighborhood National Bank branch or by scanning the QR code (from the flyer).

2. Choose your deposit amount — even small deposits add up fast.

3. Set up automatic transfers for the biggest savings and bonus rate.

4. Watch your balance grow with daily-accrued, annually-compounded interest.

5. Receive your payout in your NNB account on October 15.

6. Enjoy a stress-free holiday season — paid for with savings, not debt.