Our Mason City State Street location is currently under construction. 

During this time the lobby will be closed and the Drive-Up & ATM/ITM will remain open. For full banking services, please visit the Mason City West location at 2601 4th St SW Mason City, IA. Thank you for your patience!

FDIC Digital Sign, using the official FDIC wordmark. This digital sign indicates the deposit institution is backed by the full faith and credit of the US government.

Christmas Club Account

  1. Home /
  2. Personal /
  3. Savings /
  4. Christmas Club Account

Save Now, Buy Gifts Later piggy bank with one hundred dollar sitty with black presents and gold Christmas balls

Our Christmas Club account is to help reduce the potential strain of holiday expenses. It helps you to start saving now before you have to buy Christmas gifts later.

Account Information

  • No Minimum to Open
  • Earn Interest - No interest earned on balances over $5,000.00
  • $10.00 penalty fee for early withdrawal
  • Deposits can be made in any amount at any time
  • Open account in person, cannot open online

Your Christmas Club account balance and interest earned automatically transfers to your First Citizens checking or savings account on November 1st of each year.

Locations & Hours

Christmas Club Account Rates

Comparison table of Savings Accounts
Account Daily minimum balance to earn APY Interest Rate APY
Christmas Club*** $0.01 0.03% 0.03%
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