5.00% APY*


  • Transfers will be made to the account throughout a 12-month cycle on either a weekly or monthly basis at your option.
  • Interest will accrue on transferred funds during the cycle and will be credited to the account at the end of the 12-month cycle.
  • To get started you must draft from a Community Bank checking account.

Don’t have a Community Bank checking account? Get started here:

Once you are ready to open a Christmas Club account please visit your nearest location to sign up to start saving.

*Annual Percentage Yields (APY) effective as of 10/20/21. Rate may change after the account is opened. No minimum balance to earn or save. An interest rate of 5.00% will be paid only for that portion of your daily collected balance that is $5000.00 or less. An interest rate of 0.05% will be paid only for that portion of your daily collected balance that is greater than $5000.00. The annual percentage yield for this tier will range from 0.05% to 5.00%, depending on the balance in the account. If your daily collected balance remains at is $5000.00 or less, the interest rate paid on the entire balance will be 5.00% with an annual percentage yield of 5.00%. Requires Community Bank checking account with draft to Christmas Club Account. Limit two accounts per customer. Fees may reduce earnings. All funds are paid out at the end of the account’s term in October of the calendar year in which contributions end. Ask a customer service representative for details. Penalty for early withdrawal.