We call it a Christmas Club - but it doesn''t work like one!!

At First Kingsport Credit Union, we don't care if you shop in July! The Christmas Club is treated as a separate savings account with dividends that accrue daily and are paid quarterly, instead of the member waiting until November and receiving a check.

You can save for Christmas via payroll deduction, allotment, direct deposit, by mail, or over the counter deposits. You would be surprised how a small deposit into the Christmas Club could help make the holiday time bearable. There are no minimum balance requirements, and withdrawals can be made at any time. We put you in charge of your Christmas Club Account.

Dividends are set by the board of directors and are paid from current earnings after all required reserve transfers have been made. Dividends are paid on the last day of each quarter.

Ho,Ho,Ho!! The Christmas Club Account at First Kingsport Credit Union is the only way to go...