Christmas Club

The Christmas season is a very exciting time of year. If you would ask a child, they would say, "Christmas is the best time of the year."

However the holiday season can also be a busy and stressful time of year. It is best to try and plan ahead and that is why Heritage South offers a Christmas Club account.

You may open a christmas club account at any time in the year however it is recommended that you begin saving at the first of the year.

The funds from your Christmas Club account are automatically dispersed into your checking account on November 1st of each year.
If you do not have a checking account, your funds will be deposited into your primary savings account.
If you would like your Christmas funds mailed, please call us to have that setup.

Here are some of the advantages of having a Christmas Club account:

• planning ahead can minimize the stress of the busy holiday season
• when you have money saved up, it is more fun to buy gifts for everyone on your list
• a Christmas Club account is a FREE service offered by Heritage South
• dividends are deposited into your account on a monthly basis, click here to check our rates
• there is no minimum deposit for opening a christmas club account
• funds are automatically deposited into your account on November 1st. You may have a check mailed if you choose, simply call us before November 1st to have that setup.

Tips on saving money this holiday season:

• Develop a budget, and stick to it! Write a list of everyone on your christmas list, the present you plan to buy, and how much you plan to spend.
• Shorten your gift list if necessary. Instead, send a thoughtful card or bake some cookies or fudge.
• Get creative with gift giving. Instead of spending a fortune on your grandmother that has everything, make her a family scrapbook.
• Draw names among family and friends.
• Play "Dirty Santa" or some other type of game.
• Shop early. The day after Thanksgiving is a good time to get a great buy on your favorite merchandise.
• Shop online. Some retailers offer the same discounts the day after Thanksgiving when you shop online. Plus, you'll save on gas an eating out!
• If you plan to donate to charity, donate your time or food other than cash.
• Save up and avoid using your credit card.

Do you want to know more about our Christmas Club?
Please call us at 256/245.4776 or click here to fill out our secure online request form.