Save Now, Buy Gifts Later 
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
- Penalty applies 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 automatically transfers to your First Citizens checking or savings account on November 1st of each year.