Our Holiday Hours: Closing at Noon on December 24th & CLOSED on December 25th for Christmas • Closing at 4:00pm (Kanawha closing at 3:00pm) on December 31st & CLOSED on January 1, 2025 for the new year. Happy Holidays! View all bank holidays

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

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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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