If finding enough money for your holiday shopping is like playing hide and seek, the Holiday Savings Club is for you.

• Deposits can be made through payroll deduction or at your convenience
  
• The Club runs from November 1st through October 31st each year - on November 1st the funds are deposited into your Share Savings account for withdrawal by ATM or check
  
• Dividends are paid monthly on the average daily balance after the account balance reaches $100