Have yourself a credit-free Christmas.

A Christmas Club account can make this Christmas a credit-free Christmas. This self-enforced savings account helps you save money for the holidays throughout the year, without big bills come January.

How it works: You tell us how much, and how frequently you want to set money aside. We automatically move it to your Christmas Club Account. Then, on November 1, everything you've saved automatically transfers to your checking or savings account - ready for you to spend!

• No minimum balance to earn dividends
• Put as little or as much away as you want
• Add more money anytime you wish
• It doesn't have to be a lot to make a big difference. For example: If you saved $25 out of each paycheck starting February 1, and you got paid every two weeks, you would have over $500.00 by November 1 and you won't notice the $25 you didn't have!

When you borrow on your credit card, or with a signature or payday loan to pay for the holidays, you're paying interest and extra fees for your gifts. Spend more money on those you care about - open a Christmas Club account! You can also use a Christmas Club Account for a vacation, taxes, life insurance, car repairs, a down payment on a new car, school, or anything you can think of.

To open a Vacation Club Account call us at (702) 228-2228, option 6, or stop by a branch location.