Reduce holiday stress by preparing for the gift-giving season a year in advance. Start a holiday account today with a minimum $5 initial deposit, and add to it tomorrow with direct deposit, payroll deduction or by transferring deposits at your leisure with TelCu Audio Response and Online Account Access. A holiday account may be opened at any time of the year. Holiday funds are disbursed each October to your member savings account. Dividend rates on the Holiday Account are paid at maturity in October.