FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

HomePersonalSavings AccountsChristmas Club

Christmas Club

Set funds aside in this savings account all year-round, and you'll be rockin' around the holiday season.

The stress-less holiday savings account.

Stress less this (and every) holiday season with a savings account that matures in early October (with interest), just in time for those Black Friday deals.

Save. Spend. Repeat. Just set up automatic transfers from a Heartland Bank, a division of German American Bank checking or savings account using your online banking or mobile banking app. When your Christmas Club matures in early October, we'll automatically deposit your total savings plus interest into your checking or savings account. And let the savings start rolling again! 

Ready to get started? Visit your local bank office to open your account. Already have a checking or savings account with us? Don’t have an account with us? No problem. Just open an e-$MART Checking account when you open your Christmas Club. 

Features & Benefits*

  • Competitive interest earned on account balance
  • FDIC-insured
  • No minimum balance to open
  • Accepts automatic transfers from checking or savings accounts via online banking or mobile banking app
  • Account matures each year in early October
  • $10 penalty for early withdrawals

Ready to get started?

Visit Us - SavingsContact Us

This account pairs well with:

Smartest Home Equity Line of CreditSmart CheckingFinancial Education

Related Products

More products and services we think you'll like.

  • Mortgage

    Buy, build or refinance your mortgage with our expert team of lenders – and competitive mortgage rates – on your side.

    Learn More - Mortgage

  • Wealth Management

    Build wealth and keep it with financial advisement you can trust. Protect your financial future with a solid plan and an experienced financial planner.

    Investment Products are not insured by the FDIC, are not deposits, and may lose value.

    Learn More - Wealth Management

  • Personal Credit Cards

    Put more purchasing power in your wallet with one of our Visa® Credit Cards. Enjoy Scorecard Rewards with our Gold card and a great low rate with our Platinum card.

    Learn More - Personal Credit Cards

Financial Resources

Fraud Prevention
Calculators
FAQs
Video Library

Access to security tools, CD calculators and more at your fingertips. View Resources

*Interest is paid at maturity. If any withdrawal is made from this account before disbursement date, a $10.00 penalty may be assessed. Interest and Annual Percentage Yield (APY) may change. Fees may reduce earnings. Contact us or stop by one of our offices to find out what our current rates are. Member FDIC.

  • Scan the QR code with your phone's camera to instantly download our mobile app, or use the links below to install the app to your device.
  • App Store
Equal Housing Lender
FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

© 2025 Heartland Bank . All rights Reserved

Routing Number #:
German American Bank - 083904563
Heartland Bank, a Division of German American Bank - 044109336

Call Us
(800) 697-0049
Bankline 24
(800) 536-0660
Treasury Support
(800) 697-0049, ext 2500
Equal Housing Lender FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

© 2025 Heartland Bank . All rights Reserved

Our website uses cookies to improve your website experience and provide more personalized products and services to you. By using our website, you agree to the use of cookies.