Spread the cost of Christmas by saving throughout the year. Unlike a hamper club or other scheme, you can spend your savings on exactly what you want AND your savings are covered by the Financial Services Compensation Scheme, up to a total of £85,000, as they would be with a bank. Visit www.fscs.org.uk for more information.

Start saving as early in the year as possible to build your own fund for Christmas. You can ask to withdraw your savings from each November.

Did you know? your Christmas Club savings account is eligible for an Annual Dividend, dependent on performance. As a not for profit co-operative Salford Credit Union shares any profits with members, once we have paid our bills and built the reserves.

Once you are a member of Salford Credit Union you can apply to join the Christmas Club. Use the Contact Us form to request an application form :https://www.salfordcreditunion.com/contact/