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CHRISTMAS CLUB

Start saving for Christmas 2023

Following the success of our inaugral Christmas Club last year, Norwich Credit Union will be running it again for 2023.

It's never too early to start saving for Christmas. With Norwich Credit Union, new and existing members can apply and put their savings (or at least part of) into their Christmas fund.

Any savings will be locked away until the 1st November, when they can withdraw it to help with festive costs, or use their balance to apply for a low-interest Savers Loan or Secured Loan.

To mark the launch, anyone who joins before March 31st and who manages to save £50 or more, and has at least £50 in their Christmas Club account on November 1st, will be entered into a draw for a £200 prize.

Save your way to a fantastic Christmas this year

Save as much or as little as you wish

Your savings will be unlocked on 1st November

Save over £50 for a chance to win £200

Your money is protected by the FSCS

APPLY TO JOIN THE CHRISTMAS CLUB

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Christmas Club Application

After applying you will be enrolled as provisional member and start saving immediatley. You will receive a Membership Number (to use in all correspondence) and note that ID needs to be provided within one month. To be eligible, you need to live, work or study anywhere within the county of Norfolk or in an NR postcode area.
Click here to see what ID is required for joining.


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Christmas Club Application

We will contact you to confirm your acceptance to the Christmas Club and let you know how to start saving into your Club account.


TERMS & CONDITIONS

  • Savings are locked until 1st November
  • New members who only use the Christmas Club are exempt from membership fees
  • Membership fees will be due after 1st November unless all savings are withdrawn and the account closed
  • To be eligible for the £200 prize, members must have joined the Christmas Club by March 31st
  • Existing members who create a Christmas Club account will continue to pay membership fees on their traditional share account; no additional fees will be incurred by joining the Christmas Club
  • All members who achieve at least £50 in savings by 1st November will be entered into a draw for a £200 prize
  • The lucky winner will be asked for a photo and/or quote to promote the credit union on social media or in the local press
  • As with all our savings products, any money put into our Christmas Club is completely safe (up to £85,000 is covered by the Financial Services Compensation Scheme) unlike some other christmas savings schemes
  • If the member wishes, on 1st November they can transfer their Christmas Club savings into a traditional share account and subject to the normal criteria can be considered for a Savers Loan or Secured Loan
  • To be included in the £200 prize draw no funds may be withdrawn before 1st November
  • From 1st November, Christmas Club accounts that are not withdrawn will convert to traditional share accounts and will start to attract membership fees
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    Acceptable Forms of ID

    What ID do I need for joining?

    A minimum of 2 separate items of ID are required.

    1) To prove your name:
    Photo ID from a government issued document (central or local government). The document must provide either a date of birth or residential address. Acceptable ID includes a Passport, Driving Licence, Student ID card, Bus Pass, Staff card, (public sector or major employer), EU ID card, Home Office Doc. Permission to remain in UK, Naturalisation papers, Birth Certificate, NHS medical card, Citizen’s Card, National Probation Service Or, photo and address ID in one document (usually a hostel).

    2) To prove your address:
    ID showing proof of permanent address, dated from no more than 3 months ago Acceptable ID includes DWP journal entry, Utility bill, Bank statement, Council Tax bill, Benefit, Pension or Tax correspondence, P60 or Payslip, Rent card or Tenancy Agreement, Insurance Certificate, Voter Registration information.

    If photo ID is not available then individual arrangements for providing ID can be discussed. Normally this will entail providing 3 documents - 2 to prove the new member's' name (without photo ID) and 1 to prove their address.

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    Terms and Conditions

  • Savings are locked until 1st November
  • New members who only use the Christmas Club are exempt from membership fees
  • Membership fees will be due after 1st November unless all savings are withdrawn and the account closed
  • Existing members who create a Christmas Club account will continue to pay membership fees on their traditional share account; no additional fees will be incurred by joining the Christmas Club
  • All members who achieve at least £50 in savings by 1st November will be entered into a draw for a £200 prize
  • The lucky winner will be asked for a photo and/or quote to promote the credit union on social media or in the local press
  • As with all our savings products, any money put into our Christmas Club is completely safe (up to £85,000 is covered by the Financial Services Compensation Scheme) unlike some other christmas savings schemes
  • If the member wishes, on 1st November they can transfer their Christmas Club savings into a traditional share account and use those funds to acquire a Savers Loan or Secured Loan
  • If a member needs to make a withdrawal from their Christmas Club account, they must withdraw the full balance and close their account and they will no longer be eligible for the £200 prize draw
  • From 1st November, Christmas Club accounts that are not withdrawn will convert to traditional share accounts and will start to attract membership fees