Let this be the year you take control of your holiday expenses before they take control of you.

By opening a Holiday Club Account with HEFCU, you'll be breaking down your holiday costs into smaller, manageable amounts instead of getting hit with huge bills in December.

Here's how it works:

Stop by either branch and ask a Member Service Representative to help you open a Holiday Club Account.

You can choose to make automatic deposits by payroll deduction or direct deposit. And then, your savings will earn dividends throughout the year.

In the fall, right before the holiday shopping season begins, your funds - including all dividend payments - will be available for you to use. You can have the funds directly deposited into a checking account, and easily go shopping with your HEFCU debit card.

It's almost like getting paid to go holiday shopping!