This account allows you to put money away for Christmas in a designated account. Funds, including dividends earned, will be paid out the first week in October into your membership share account. Use this account to help make Christmas shopping less stressful. Dividends are compounded annually.

Other Features/Benefits:

  • Ability to open a Christmas club account by visiting a branch or online through It’sMe247 Online Banking under the New Accounts tab
  • Members may make early withdrawals, but will incur a $5.00 fee for each early withdrawal
  • Members may close the account before October 1st without receiving any dividends, but will incur a $10.00 fee and will be unable to reopen a new Christmas Club account until after October 1st
  • Funds can be transferred to the account via It’sMe247 Mobile & Online Banking, CUTalk Telephone Services, or through a phone call or stopping by a credit union branch for flexibility and automatic transfers/payroll deductions are also available for your convenience
  • Pays competitive dividends that will help your money grow
  • Insured by NCUA for up to $250,000 per share owner, so funds are secure and protected
  • Quarterly statements are provided to members giving peace of mind of account balance and transaction history

Additional Services

With It’sMe247 Online Banking, you can keep in touch with your credit union accounts any time, from any place life takes you! If you have a computer and a connection to the Internet, you can use It’sMe247 Online Banking to check balances, transfer money, and stay connected with your credit union accounts around the clock. With built-in security and personalization features, It’sMe247 Online Banking lets you access your accounts, your way.

The first time you log in to your accounts in online banking, you’ll need to enter your account number and temporary password. Ask a member service representative for your temporary password. You’ll be required to change the password in order to finish logging in the first time.


  1. Enter in the address line of your browser software.
  2. When our website appears, click the ‘Login’ within the menu bar.
  3. Enter your account number (or username, if you have one) and click ‘Submit’.
  4. Enter your password and click ‘Submit’. If you have logged in before, you will also need to answer one of your chosen security questions, now.
  5. First time users, follow the instructions on your screen to change your temporary password and set up your security questions and other settings.
  6. When the It’sMe247 screen appears, you are in!
*If you are an owner on more than one credit union membership, ask us about setting up controls to make it easy to see or jump between your accounts in online banking.
*To change your login from your account number to a username, log in to online banking, click ‘Info Center’, then ‘My Preferences’, then select ‘Username Options’ and follow the easy instructions.


  • Apply for a loan
  • Check your account balances
  • View the date and amount of your transactions including deposits, withdrawals, transfers, and payments
  • Verify that certain checks have cleared
  • Read messages from the credit union
  • Stop payment on a check
  • View your statements online by signing up for E-statements under “Documents”
  • Pay bills online with It’sMe247 Bill Pay
  • View images of cleared checks
  • Transfer funds between accounts
  • Download transaction information to your money management software (such as QuickBooks)
  • Make loan payments from funds in your accounts
  • Set up or change automatic transfers
  • Withdraw funds in the form of a check
  • Set up e-Alerts and sign up for e-Notices
  • Assign nicknames to your accounts
  • Review loan payoff amounts and due dates
  • Check current loan, savings, and certificate rates
  • Open additional savings accounts (Secondary Share and Christmas Club)
  • Open a certificate of deposit
  • Change your password and security questions
  • Notify the credit union of your new address or phone number
  • Choose personal preferences such as background color, photo album, and starting page
  • View annual dividend and interest information

You can have direct access to your credit union accounts with just one phone call. CU*Talk, our telephone banking system, which makes taking care of your credit union business faster, easier and safer! Because you can now get around-the-clock access to your accounts, this service is perfect for today’s busy lifestyles. Whether you’re at home, at work, or thousands of miles away, CU*Talk puts your accounts right at your fingertips.

All you need to contact CU*Talk is a touch-tone phone, your member number, and your Personal Identification Number (PIN) – Password for CU*Talk. Now you are all set to take care of business!


  • Review account balances.
  • Verify the date and amount of your transactions, including deposits, withdrawals, transfers and payments.
  • Verify whether certain checks have cleared.
  • Transfer funds between accounts.
  • Make loan payments.
  • Check current rates.
  • Change your Personal Identification Number (PIN) – Password for CU*Talk.
  • Obtain annual dividend and interest information.

Step-by-step instructions make it easy to use CU*Talk:

  1. Using your touch-tone phone, call: 1-855-847-1726
  2. You will be asked to enter your member number. Then press the # key. Next, you will be prompted to punch in your Personal Identification Number (PIN) – Password for CU*Talk. Enter your PIN and press the # key. Be careful–if you enter the PIN incorrectly three times, your PIN will be disabled. You must contact the credit union directly for reactivation. First Time Users – Ask a Member Service Representative for your temporary PIN. For security purposes, after you enter the system, you will be prompted to change your PIN – Password for CU*Talk.
  3. From this point on, the CU*Talk procedure will vary depending on the transactions you wish to complete. CU*Talk will guide you through each step. Hint: This first set of options includes a brief tutorial (press “0”) with tips and hints for using the system. You can press * to return to the main menu at any time.

When you have finished your last transaction, simply hang up the phone.

Automatic Funds Transfer is a feature that automatically performs member transfers on a recurring basis. Transfers can be made from one account to another, or even between different memberships. Loan Payments, HSA contributions and normal share-to-share transfers can all be accomplished through Automatic Funds Transfer.

With this option, a member can: automatically make loan payments from a checking or savings account, transfer money regularly from a savings account to a child’s or spouse’s savings account, or make regular deposits into a Christmas Club or secondary savings account.