Club accounts are separate savings accounts that can be arranged after you establish membership with GNO Federal Credit Union. You can save all year long and pay for special purchases or special needs with a separate Christmas Club or Vacation Club account. What You Get: •  No Monthly Service Charges •  Monthly dividends •  Competitive Rates •  Funds are federally insured to at least $250,000 and backed by      the full faith and credit of the U.S. Government National Credit      Union Administration •  Easy access to your account with Communiqué Telephone Teller      and Online Banking •  Systematic deposits through direct deposit or payroll deduction How It Works: Christmas Club balances are automatically transferred to your savings account on October 31st. A $10.00 early withdrawal fee may apply for withdrawals before October 1st. Vacation Club accounts are not automatically transferred. Members may withdraw and deposit in their Vacation Club accounts as needed. How To Get Started: Already a Credit Union member? Simply contact the Member Service Center to get started.