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Christmas Club

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Start Saving Today for the 2023 Holiday Shopping Season

Did the 2022 holiday shopping season sneak up on you?  Did you look in your savings account to see how much you can spend only to find cobwebs?  Feel better prepared in 2023 by opening a WCF Christmas Club savings account today.  

Requiring only $10 to open, and monthly direct deposits to build your account, you may save up to $6,000 for the 2023 holiday shopping season and earn interest at the same time.  

2023 Club accounts will be earning a 2.00% Interest Rate compounded annually with a 2.00% APY*.

Direct Deposits may be made through:

  • Automatic transfers from another WCF Checking or Savings account.
  • Automatic transfers from a checking or savings account at another financial institution.
  • Payroll direct deposit.

You may make additional deposits at any point throughout the Club year to achieve your goal balance up to $6,000.

The Club Year begins on November 1 and runs through the third weekend of the following October at which point your Club funds will be automatically transferred into your designated WCF Checking or Savings account (a WCF Checking or Savings account is required to participate in the Christmas Club).  

Saving for the holidays has never been easier!

Truth in Savings Disclosure Language

Emily Ely
Emily Ely Operations Supervisor Webster City
Kya Askvig
Kya L. Askvig Customer Service Representative Webster City
Sandra Carlson-Medina
Sandra Carlson-Medina Customer Service Representative Webster City
Jenn Thiessen
Jenn Thiessen Asst. Vice President/Customer Support Tama
Lesa Haughey
Lesa Haughey Customer Service Tama (641) 484-2079 NMLS ID: 1958636
Jill Price
Jill N. Price Loan Processor Independence
Jackie Reiff
Jackie A. Reiff Commercial Loan Processor Independence
Gwen Upah
Gwen Upah Customer Support Tama

Christmas Club FAQ

How much to I need to open a Christmas Club account?

A minimum of $10 opening deposit is required.

Do I need an existing WCF Financial Bank account to open a Christmas Club account?

Yes, you need an existing WCF Checking or Savings account.  If you don't have one, we'd be happy to open either a Checking or Savings account for you in addition to your Christmas Club account.  

Is there a deadline for opening a Christmas Club account?

No.  The Club period runs from November 1 - the third weekend of the following October.  The sooner you open your account, the more you can save!

Is there a limit to how much I may save?

The maximum automatic transfer is $500 per month with a total deposit limit of $6,000 for the Club period.  

What if I want to make the monthly deposits myself?

While you are free to make extra monthly deposits via ACH or in person, a monthly scheduled automatic deposit is required.  

Do I have to open a new Christmas Club account each year?

No, after the October distribution your account remains open.  You will need to retain your scheduled automatic deposit although you are free to change the amount of your deposit or source of your deposit.  

How do I get the money out of my Christmas Club account at the end of the Club period?

WCF makes it easy.  During the third weekend of October, WCF will automatically transfer your fund to your designated WCF Checking or Savings account.  Just in time for holiday shopping!

I need some cash.  May I make an emergency transfer or withdrawal from my Christmas Club account?

No.  Withdrawals and transfers from the Club account are not allowed during the Club period.  


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