You know what you want. You know how much it costs. Now all you need to do is figure out how you're going to pay for it. And that requires saving.

Your goals often dictate which savings vehicles are best. Are you saving for a long-term goal--college--or for a short-term goal-a family vacation? Is waiting a year or two an option? Here are some new savings accounts and ways you can use them to meet your goals and help you budget for seasonal needs while earning dividends.

The Christmas Club - If you buy gifts for friends and family at Christmas and don't have a Christmas Club are you buying those gifts on credit? Just think, you might still be paying for purchases that you made several years ago. Make shopping easier and less stressed by opening your Christmas Club Today. This account will automatically transfer to your primary share account one time per year on October 1st. Giving you 90 days to complete your shopping. Use automatic payroll deduction to deposit a small amount each pay and watch your Christmas budget grow with little effort.

(online club account application)

The Plan It Save For It - Designed for any special need or project in the future, whether short or long term, such as vacation, wedding, taxes, back-to-school or a new kitchen for your home. This account is designed to separate your regular share account from your special savings projects and to help you budget for a future goal. You won't have to worry about how you are going to pay back your credit cards because you planned ahead and saved smart!

The club accounts have the same dividend rate of your shares account but may have limited withdrawals per year. A $5.00 minimum balance is required to open a club account.

(online club account application)

These new accounts are designed to help you budget for a future goal. The club accounts have the same dividend rate of your shares account but have limited withdrawals per year. If you need an early withdrawal from any of these accounts you may be subject to an early withdrawal penalty of any or all dividends associated with this account. No minimum balance is required to open a club account.