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Christmas Club Account

The holidays should be a time of family, togetherness, and cheer — not a time of stress. So de-stress your holidays by saving in advance.

Key Features 

  • Competitive Dividends
  • No Monthly Maintenance Fees


  • An easy way to save for the holidays
  • Available with any Share Savings Account
  • Reduce holiday debt and stress
  • Competitive dividends paid quarterly
    • On average daily balances of $100 or more
  • No monthly maintenance fee
  • Funds disbursed annually on November 1st (just in time!)
  • No withdrawal penalty between November 1st and December 31st
    • Penalty may apply for early withdrawal
  • Payroll deduction or direct deposit available
  • No minimum deposit to open

What our
Members say

We've been using Millstream Area Credit Union for years and have always had great experience with them, Devin just helped us get some things figured out for my Mom's account she made it super easy!

Nick W.


We'd love for you to be part of our talented and energetic team!