Christmas Club

Start Saving Today for the 2026 Holiday Shopping Season

Did the 2025 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 2026 by opening a WCF Christmas Club savings account today.

Make next Christmas magical for your family—open your Christmas Club account today!

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2026 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.

Enjoy the freedom to grow your balance whenever you choose—add deposits throughout the year and elevate your savings experience.

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

Shannon Rhoades Assistant Vice President / Operations Officer Webster City

Meet Shannon Rhoades

Assistant Vice President / Operations Officer

Shannon joined WCF in 2024, bringing over 25 years of experience in the financial industry. Passionate about helping others, Shannon is inspired by the many people she has met throughout her career. She resides in central Iowa, with her dog Rocky, and enjoys weekends at her hobby farm in southern Minnesota. Shannon is an active member of Vibrant Life Assembly of God Church and volunteers with Raise the Bar Initiative. In her free time, she loves outdoor activities and spending time with family and friends.

Email Shannon Rhoades

Kya Askvig — Kya L. Askvig Operations Supervisor / Customer Service Representative Webster City

Meet Kya L. Askvig

Operations Supervisor / Customer Service Representative

Kya brings a lifelong passion for customer service to her role at Webster City Federal. A proud graduate of Eagle Grove High School, she earned her Certified Nursing Assistant and Certified Medication Administration credentials from Iowa Central Community College before transitioning into the financial world. Since joining the bank, she’s continued to grow in her role, with over five years of service and counting. Whether she’s helping neighbors with their banking needs or lending a friendly ear, Kya’s commitment to care and connection shines through. She lives in Webster City with her husband and their two sons, and outside of work, she enjoys boating, camping, kayaking, and spending time outdoors with her family. She’s also a talented pianist and a Shotokan karate black belt—just as comfortable on the keys as she is in the dojo!

Sheila Scott Assistant Vice President / Customer Service Representative Webster City

Meet Sheila Scott

Assistant Vice President / Customer Service Representative

Sheila holds the distinguished honor of being WCF Financial Bank’s longest-serving team member, with over 45 years of dedicated service. A graduate of Iowa Central Community College’s one-year secretarial and clerical program, Sheila has built a career defined by expertise, consistency, and care. She specializes in assisting customers with IRAs, certificates of deposit, and wire transfers, and is known for her deep knowledge and personal approach. Over the decades, Sheila has formed lasting relationships with customers and colleagues at the Webster City branch—connections she continues to treasure. Her warm demeanor and commitment to service have made her a cornerstone of the WCF experience. Outside of work, Sheila leads a full and active life. She has been happily married for more than 35 years and is a proud mother of two and grandmother of one. She enjoys camping, riding motorcycles with her husband, reading, crocheting, and quilting. Sheila is also an active member of Trinity Lutheran Church, where she participates in the Bell Choir and Alter Guild.

Email Sheila Scott

Jeanine Nokes Customer Service Representative Webster City

Meet Jeanine Nokes

Customer Service Representative

A Webster City High School graduate, Jeanine has spent much of her career in customer service. Jeanine enjoys helping her hometown residents with their financial transactions and ensuring that their needs are fully met. When not at WCF, Jeanine enjoys spending time with her family.

Anna Utrera-Greenfield Customer Service Representative Webster City

Meet Anna Utrera-Greenfield

Customer Service Representative

I grew up in Kamrar, Iowa, a small town with a close-knit community. After completing my education at South Hamilton Community School District, I continued my studies at Iowa Central Community College, where I earned my Associate of Arts (AA) degree. Throughout my life, I’ve had the privilege of working in customer service roles, where I honed my communication skills and developed a deep understanding of meeting people’s needs. Additionally, I have extensive experience in cash handling, ensuring accuracy and efficiency in financial transactions. When I’m not working, I cherish spending quality time with family and friends, sharing stories and creating lasting memories.

Chyne Neymeyer Customer Service Representative Webster City

Meet Chyne Neymeyer

Customer Service Representative

Chyne is a Customer Service Representative at WCF Financial Bank, where she has worked for over a year. She manages deposits, withdrawals, account openings (including CDs, checking, and savings), receptionist duties, and account updates—always with a focus on delivering excellent customer service. Though she attended Aplington-Parkersburg High School, Chyne lived in Ackley, Iowa during that time and now resides in Vincent. She studied Communications with a Business minor at Central College in Pella, gaining strong skills in interpersonal and intercultural communication. Her background in retail and customer service laid the foundation for her dedication to helping clients reach their financial goals. Outside of work, Chyne enjoys reading, baking, working on cars with her dad, and exploring trails with her fiancé and his daughter.

Shyann Brinkman Customer Service Representative Webster City

Meet Shyann Brinkman

Customer Service Representative

Shyann supports the team as a Customer Service Representative, where she helps keep things running smoothly by handling scanning and filing to ensure everything stays organized. She recently earned her high school diploma through a K–12 online public school and is excited to be starting her professional journey. Outside of work, Shyann is a proud cat mom to three beloved companions—Pepsi, Fredrick, and Crush—who always keep life interesting.

Elizabeth Luna Customer Service Representative Webster City

Meet Elizabeth Luna

Customer Service Representative

For the past three years, Elizabeth has been a friendly face at WCF Financial Bank, working as a Customer Service Representative. Whether it's answering everyday banking questions or handling teller transactions with ease, Elizabeth is always ready to help. Fluent in both Spanish and English, she also assists with translations—especially during home closings, which she finds incredibly rewarding. Outside of work, Elizabeth brings the same energy to her personal life. You’ll often find her jamming to music, exploring local parks on walks, or showing off her moves in Just Dance. She loves spending quality time with her younger siblings and cruising around town with her fiancé—windows down, music up! A creative at heart, Elizabeth plays the flute and is currently learning the art of nail design from home. Whether it’s helping customers or mastering a new skill, Elizabeth does it all with a smile.

Vivian Lopez-Mateos Customer Service Representative Webster City

Meet Vivian Lopez-Mateos

Customer Service Representative

Vivian is a bilingual Customer Service Representative at WCF Financial Bank, assisting customers in both English and Spanish. Her responsibilities include opening and servicing checking accounts, savings accounts, and certificates of deposit, while delivering friendly and knowledgeable support. Prior to joining the bank, Vivian worked as a customer service representative at a hatchery, where she developed strong skills in managing inquiries and building positive customer relationships. Outside of her banking role, Vivian is passionate about the beauty industry. She provides lash extension and eyebrow waxing services with a focus on precision and client satisfaction. Her interests also include hair, nails, and makeup, reflecting her creative and detail-oriented nature.

Jenn Thiessen Assistant Vice President / Compliance Officer Tama

Meet Jenn Thiessen

Assistant Vice President / Compliance Officer

With 13 years in banking and 10 years of loan processing under her belt, Jenn is well positioned to serve Tama customers. In addition to serving as a Mortgage Loan Processor, she assists in new accounts and teller duties — which means she can assist just about anyone who walks in the door! A graduate of Marshalltown Community College, Jenn also holds professional designations from Iowa Bankers Consumer Credit School and Iowa Bankers Lending Compliance School. She keeps connected to the community through a variety of organizations, such as Toledo Wieting Theater and South Tama Archery, and volunteers for a number of local organizations, including Kids’ Corner Daycare, Kids’ Corner Fundraising Committee and Tama-Toledo Chamber of Commerce.

Email Jenn Thiessen

Brooke A Yuska Assistant Vice President / Head Teller-Tama Tama

Meet Brooke A Yuska

Assistant Vice President / Head Teller-Tama

Brooke A. Yuska has dedicated over two decades to mastering the art of customer service, with a passion for excellence and a genuine desire to meet and exceed the needs of those she serves. A proud graduate of Kirkwood Community College, Brooke earned her associate degree in Legal Administrative Assistance, laying a strong foundation for her impressive career in customer service. Her journey is highlighted by a 15-year tenure in the banking sector, where she excelled as an Assistant Cashier/Head Teller. Beyond her professional achievements, Brooke's heart truly lies in the joys of family life and community involvement. She cherishes time spent with her family, whether it's vacationing together or supporting her children in their sports activities. Brooke's commitment to her community extends beyond her professional duties as she actively volunteers, contributing her time and talents to make a positive impact.

Email Brooke Yuska

Dahiana Puentes Customer Service Representative/Consumer Lender Tama

Meet Dahiana Puentes

Customer Service Representative/Consumer Lender

A graduate of South Tama High School, Dahiana has spent much of her career in the customer service field. Most recently she helped the Tama/Toledo residents with their insurance needs. Approaching customers with a friendly smile and providing them with a positive experience is very important to Dahiana. In her free time, Dahiana enjoys being with her family.

Kailee Meek Loan Processor/Customer Service Representative Tama

Meet Kailee Meek

Loan Processor/Customer Service Representative

Kailee Meek embarked on her professional journey in the banking sector with a robust foundation, spending a year at a bank where she honed her skills in various roles. During her time there, Kailee not only excelled at opening new accounts and operating as a teller but also demonstrated a keen aptitude for customer service by adeptly handling phone inquiries and assisting clients with online banking issues. Outside the bank, Kailee's life is deeply rooted in her close-knit family and community involvement, particularly in the realm of sports. As the second of four girls, her family ties are strong, often found coaching or supporting her sisters in the South Tama's AAU volleyball program. Her commitment to family and community is evident, as her free time is invariably spent with her sisters, her nephew, or her beloved dog, Nova. Despite starting her higher education journey at the University of Northern Iowa with a focus on elementary education, Kailee's path led her back home, where she transitioned into a promising career in banking, melding her personal values with her professional aspirations.

Jill N. Price Loan Processor / Customer Service Representative Independence

Meet Jill N. Price

Loan Processor / Customer Service Representative

Jill is a friendly and familiar face at WCF's Independence branch, where she provides a wide range of services with a personal touch. Whether she's processing and funding loans, managing escrow accounts, or performing teller duties, Jill always goes the extra mile to make her customers feel welcome and valued. Having grown up in Alaska and Iowa, Jill brings a unique perspective and a warm, approachable personality to every interaction. She genuinely enjoys getting to know the people she serves and believes in building lasting relationships based on trust, kindness, and exceptional service. Jill is a proud graduate of Iowa Falls-Alden High School.

Email Jill Price

Jackie A. Reiff Commercial Loan Processor / Customer Service Representative Independence

Meet Jackie A. Reiff

Commercial Loan Processor / Customer Service Representative

Jackie’s journey with WCF began at the front lines—as a teller and customer service representative—where her friendly demeanor and dedication to helping others quickly made her a familiar and trusted face. Today, she brings that same energy and care to her role as a Commercial Loan Processor. Whether she’s organizing complex loan applications or walking clients through the details of commercial and agricultural financing, Jackie is all about making the process smooth, clear, and stress-free. She’s known for her ability to find solutions, answer questions before they’re even asked, and keep things moving forward with a smile. A proud University of Northern Iowa graduate, Jackie thrives on building lasting relationships and celebrating the wins—big and small—of the businesses and individuals she supports. For her, it’s not just about numbers and paperwork; it’s about helping people turn their ideas into reality.

Email Jackie Reiff

Christmas Club FAQ

A minimum of $10 opening deposit is required.

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.

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!

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

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

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.

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!

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

Christmas Club

Start Saving Today for the 2026 Holiday Shopping Season

2026 Club accounts will be earning a 2.00% Interest Rate compounded annually with a 2.00% APY*.

Truth in Savings Disclosure Language

Christmas Club FAQ

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

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

Is there a deadline for opening a Christmas Club account?

Is there a limit to how much I may save?

What if I want to make the monthly deposits myself?

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

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

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