It’s January. You are surrounded by the reminders of Christmas past: stray icicles, Granny June’s fruitcake, and bills—lots and lots of bills. Does this same scenario replay every January?

We can help you change those post-Christmas memories. Start now by setting aside cash for your holiday purchases in a First Choice Christmas Club account. Just a little each month and you’ll be pleasantly surprised when shopping season arrives. And you’ll be even more pleased when January rolls around and there are no mounds of bills. (You’re on your own with the icicles and fruitcake.)

A Christmas Club account carries no minimum deposit or balance requirement and offers a competitive dividend rate. Some restrictions on withdrawals apply.  Call member services for complete details.