Christmas Club

Take control of the festive season and make it yours. Enquire now to open an account.

Up to 0.25 % p.a. Interest rate

Budget and save for the festive season

Our Christmas Club Account is a dedicated savings account designed to help you prepare for end-of-year expenses. By setting aside funds throughout the year, you can ease the financial pressure of the holiday season and enjoy it stress-free.

Your savings stay tucked away until end of year with full access during November, December and January—just in time for gifts, celebrations and travel. It’s a simple way to stay organised and make Christmas time yours. 

So, what are the perks?

Become a Member

Joining is easy - it only takes a few minutes to complete the application online or in person.

Features, Rates and Further Information

Product Features:

Savings and Investments
Minimum opening balance : $0
Internet banking : Yes
The Mutual App : Yes
Mutual Alerts : Yes
Staff assisted transactions : Branch and contact centre
Christmas Club Interest rate
All balances Up to 0.25% p.a.
Document or Information View or Download
Fees, charges and limits Download PDF →
Target market determinations Learn more →
Interest rates Learn more →
Important documents Learn more →
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Money management tools

Want to plan ahead with confidence? Our easy-to-use calculators can help you set savings goals and keep track of your spending, so you stay in control of your finances.

View all our online calculators →

Why bank with us?

You're gonna love us

The Mutual Bank has been supporting regional communities with trusted banking for over 135 years

We’re proudly customer owned, which means we exist to benefit you. Not external shareholders. Whether you're opening your first account or planning for the future, we’re here with genuine service, great-value products and the kind of care only a mutual can offer.

Looking for something else?

View and compare our Savings and Investment Accounts

Need more support? We're here to help

  • Speak to a local

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    Send us your request or feedback anytime using our secure online forms.

  • Explore FAQs

    Looking for a quick answer? Browse our most frequently asked questions.

  • Secure Message

    Securely message our local Contact Centre Team through the Mutual App or Internet Banking.

  • 1 Interest is calculated by applying the daily percentage rate to the whole daily balance and paid 6 monthly on 30 June and 31 December. The daily percentage rate is the applicable annual percentage rate divided by 365.

We have not considered your objectives, financial situation, or needs. You should consider these things, along with the Product Disclosure Statement and our product Target Market Determinations before making any decision to acquire a product.

Financial Claims Scheme information available at fcs.gov.au.

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Any advice or information on this site does not take into account your personal objectives, financial situation, or needs and you should consider whether it is appropriate for you. Please review our Product Disclosure Statement, Target Market Determinations, Terms and Conditions, Financial Services Guide, and Credit Guide before deciding to acquire a product.

Eligibility and lending criteria, conditions, fees, and charges apply to all loans. Interest rates, fees, and charges may change without notice. Information is current as at date of appearance and is subject to change. We use reasonable efforts to provide accurate and up to date information. However, mistakes may still occur from time to time, and we cannot guarantee that this website is free from any errors, inaccuracies or omissions. Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian credit licence 238139.

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We acknowledge the Traditional Owners of the lands on which we operate and pay our respects to Elders past and present, and to emerging community leaders. We also acknowledge the important role Aboriginal and Torres Strait Islander peoples continue to play within the communities in which The Mutual Bank operates and where our team members reside.