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Home / Personal / Savings / Holiday Savings Club

Holiday Savings Club

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The Holiday Savings Club will make saving – and giving – easy. Save throughout the year and on November 2nd, we’ll automatically transfer your savings to your FSB account, or give you a check.


Open Now 


How to Plan for A Debt-Free Holiday Season and Beyond as featured in Macomb NOW Magazine in printable PDF.

  • $10 to open, deposit as much and as frequently as you'd like
  • Options to make regular deposits to your account – coupon book, direct deposit or automatic transfer
  • No service charges or maintenance fees*
  • Earn higher interest rate than with statement savings*
  • Free telephone, mobile banking with mobile deposit and online banking help you watch your savings grow
  • Withdrawal restrictions provide savings discipline+
  • Funds are disbursed on November 2nd
  • Automatically renews each year
  • FDIC protection 

Just decide how much you will need for your holiday shopping, and your Holiday Savings Account can help you get there.

See how easy it is:

Holiday Savings Goal Monthly Deposit** Bi-Weekly Deposit** Weekly Deposit**
$250 $21 $10 N/A
$500 $42 $20 $10
$1,000 $84 $39 $20
$1,500 $125 $58 $29

There's no time like the present to begin saving for the season!

Current Rates

Balance Rate APY~
$0 - $1,999 .25% .25%
$2,000 - $9,999 .05% .05%
$10,000 - $49,999 .05% .05%
$50,000 + .05% .05%

Minimum to open: $10
Monthly service charge: None 
+Early withdrawal fee: $10 each / No ATM access

 *Earns higher interest rate than statement savings on balances up to $2,000. Interest is compounded daily and paid quarterly January/April/July/October.
**Approximate deposit needed to reach goal with deposits beginning in November, does not include interest. Minimum deposit of $10 required.
~ This account earns interest at a variable rate. Annual Percentage Yield is accurate as of August 26, 2016. These rates may change at any time without prior notice. Fees could reduce earnings on the account.

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