Fraud Alert: Scammers may spoof our phone number to appear as a legitimate call from us. If you receive a suspicious call, hang up, and contact us directly within online/mobile banking or call us at 800-423-1602 to verify. Review Latest Fraud & Scams to learn more.
Save Now, Buy Gifts Later 
Our Christmas Club account is to help reduce the potential strain of holiday expenses. It helps you to start saving now before you have to buy Christmas gifts later.
Account Information
- No Minimum to Open
- Earn Interest - No interest earned on balances over $5,000.00
- $10.00 penalty fee for early withdrawal
- Deposits can be made in any amount at any time
- Open account in person, cannot open online
Your Christmas Club account balance and interest earned automatically transfers to your First Citizens checking or savings account on November 1st of each year.
Christmas Club Account Rates
| Account | Daily minimum balance to earn APY | Interest Rate | APY |
|---|---|---|---|
| Christmas Club*** | $0.01 | 0.03% | 0.03% |