Our Christmas Club Accounts can help you save for the holidays all year long. A deposit of $5.00 can open your Christmas Club Account. A minimum balance of $25.00 must be obtained to earn dividends. Automatic disbursements are made on Nov. 1st or the next business day after. If you need money out of the account at any other time, there would be a fee assessed for the withdrawal. This account pays dividend rates that will incentivize you to save.