Holiday Savings Account

Save monthly, celebrate merrily with a Holiday Savings Account!

Plan ahead with a Holiday savings account designed to make spending easier. This dedicated holiday savings account helps you build your balance throughout the year—so when the season arrives, you’re ready to celebrate without financial stress.

Open an Account

Parents and their daughter putting ornaments on a christmas tree

A Better Way to Save for the Holiday Season

Earn .45% APY¹

Grow your holiday savings with a competitive interest rate as you prepare for the season.

Set Up Automatic Transfers

Schedule recurring deposits or payroll contributions to build your savings without extra effort.

Avoid Post-Holiday Debt

Pay for gifts, travel, and celebrations with money you’ve already saved—no credit card balances to carry into the new year.

 

Holiday Savings Account Rates 

Type

Minimum Balance to Earn APY

APY1

Christmas Savings

$50

0.45%

1APY = Annual Percentage Yield

Holiday Savings Account Details

Save All Year. Celebrate with Confidence.

The holiday season should be filled with joy—not financial pressure. A Holiday Savings Account helps you prepare in advance by setting a clear plan for seasonal expenses like gifts, travel, meals, and celebrations.

Instead of scrambling at the last minute, you’ll have a dedicated fund ready when it matters most.

A CACL Holiday Savings Account helps you:

  • Plan ahead for holiday expenses, both big and small
  • Spread out costs across the year instead of paying all at once
  • Stay on track with a structured approach to seasonal savings
  • Enjoy the holidays knowing your budget is already in place

Open an Account

See Rates
Friends hugging each other after exchanging gifts in front of a Christmas tree

How to Open a Holiday Savings Account 

  1. Join CACL Financial

    Call or visit one of our convenient locations to get started. Not a member yet? We’ll help you join.

  2. Open a Membership Savings Account

    Deposit $5 to establish your membership. This account gives you access to all CACL Financial products and services.

  3. Open Your Holiday Savings Account

    Once your membership is set up, connect with a CACL team member to open your Holiday Savings Account.

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“CACL is the most accommodating, helpful and friendliest back in Schuylkill! I can't say enough how happy I am with CACL over traditional banks and other credit unions!”

Holiday Savings FAQs 

A Christmas savings account is a savings account designed to help you cover holiday expenses by setting money aside throughout the year. It gives your seasonal spending its own place, making it easier to plan and manage.  
No. Your funds are available whenever you need them, giving you flexibility as plans change.  
There’s no minimum balance required to open the account. To earn the stated APY, your balance must be $50 or more.  
Yes. You can set up recurring deposits or payroll contributions to help you stay on track with your savings.  
Yes. Balances of $50 or more earn interest, helping your savings grow as you prepare for the holiday season.  
You can access your funds at any time—whether you’re shopping early, covering travel costs, or adjusting your plans.  

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