If you had started a Christmas Club last November, you would be ready to start your holiday shopping! Christmas Clubs dropped to checking accounts at the end of October! For those that started a Christmas Club account it’s an exciting time of year. No stress for holiday shopping! The money is already there! With a Christmas Club you decide how much you want to be able to spend and you put a little away each pay period and come October you are ready to go! Talk to a service member representative to set up your 2016 Christmas Club account today!