Designed to assist members to have extra cash at Christmas time

Allow members to budget for upcoming expenses

Minimum to Open: $10.00

Monthly Fee: No

Minimum Monthly Deposit: As agreed to reach target goal

Interest Rate: 3.5%

Number of Withdrawals Allowed: Penalty for early withdrawal

Requirements to Open


Membership to FNDECCU


Set Target Amount


Open between Jan 1 and March 1st

Extra Benefits

Start saving at the beginning of the year and earning accumulated interest

Peace of mind knowing your money will be there when you need it

Flexible plan allows you choose the amount to deposit and terms to suit your financial position