Skip to main content

CHRISTMAS CLUB

The account for everyone on your list (including you)

Save year-round for the holidays or a getaway.

Tuck money away for the holidays (or a well-earned vacation) with a Christmas Club account. Don’t be fooled by the name. You can use this account to set aside funds for a vacation, down payment or any major expense. When your account matures in October, you get the balance plus interest.* It’s a great way to save and stay on budget.

  • Make deposits any time or set up direct deposit
  • Interest compounded daily and credited quarterly
  • $10 minimum deposit to open
  • No minimum balance requirements
  • No monthly maintenance fees
  • Free online and mobile banking
  • Free online statements

*Penalty for early withdrawal. Funds disbursed in October. 

2025 Enrollment Open Now!

Download the enrollment form or contact your local F&M office to get started. 

EASY TO FUND

Set up direct deposit or make ATM or mobile deposits.

LOW OPENING DEPOSIT

Open an account with just $10, no monthly fees.

FREE ONLINE & MOBILE BANKING

Securely access your account and manage expenses 24/7.

FREE ONLINE STATEMENTS

Get convenience and security without the paperwork.