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CHRISTMAS CLUBS Christmas Clubs are established for the purpose of giving the member a means by which he/she can save money for a particular occasion ie. Christmas. The account will pay a dividend consistent with our regular Share account (depending on earnings). To earn a dividend, the account must have an average daily minimum balance of $100.00. Account may be opened beginning on November1. Club accounts will be available in $5, $10, and $20 denominations. Funds will be paid out during the last 2 weeks in October of the following year. Partial withdrawals will not be allowed. If a member chooses to withdraw funds early, he/she must withdraw all funds and the account will be closed. There will be a $15 early withdrawal fee charged to the account prior to the withdrawal.
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