A great account designed for members wishing to save funds for Christmas and the holiday period.

Deposits may be made over the counter, by mail, NetBanking (Internet), Accessline (Telephone), Payroll Deductions or Internal periodical payment Authority.

To encourage members to save, a competitive rate of interest is paid on the entire balance of the account, however a fee is charged on all withdrawals made between 1 February and 31 October each year. Over the Christmas period, from 1 November to 31 January all withdrawals are fee free.

To help members save there are no Periodical Payments or Direct Debits available on this account.

• Interest is calculated and paid monthly.

Account products issued by Southern Cross Credit Union Ltd. AFSL No. 241000, ABN 82 087 650 682. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please read carefully the Member Information Guide for the product.