Now is the time to open your account for next Christmas! You can enroll anytime, from November 5, 2002, through October 31, 2003. But getting started early assures you of having enough money for next year.

You're welcome to make deposits anytime during this period and there's no limit to the amount you put in. You can even vary your amounts – for instance, one month you might contribute $100, and the next, you may only have an extra $5 to contribute. To make it even easier, you may fund this account through payroll deduction, Shelly (24-hour telephone response system), online with CU Anytime, deposits by mail, or an automatic transfer from your existing share account.

And here's another one of the fantastic changes made for the NEW Christmas Club accounts: Withdrawals are now allowed, at any time, for a $5.00 fee per withdrawal. Now you don't have to feel like you can't access your own money!

Also, dividends will now be posted monthly instead of at maturity. Account balances will automatically be credited to your savings or checking account at maturity. No more waiting for a check in the mail!