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The holidays are made for dreams, but the bills that come after can be the stuff of nightmares. This year, skip the high-interest credit cards, and get the financial flexibility you need with our "12 Days of Christmas" Holiday Loan.

Way Lower Interest Rate

At just 12% APR*, our Holiday Loan is significantly more affordable than the 20-30% interest rates common on today's credit cards. That means that more of your payment goes towards the principal, helping you pay it off faster.

Fixed 12-Month Term

Our Holiday Loan has a fixed 12-month repayment period, so you can budget with certainty and avoid open-ended credit card debt that can linger for years.

Borrow up to $1,200

Get the funds you need to cover holiday expenses, from gifts and decorations to travel and entertainment, without maxing out your credit cards.

Call, text, visit, or apply online, and let 12 be your magic number.

*APR = Annual Percentage Rate. Estimated monthly payment = $106.63. Rates and terms subject to change at any time. Membership eligibility is required. $50 application fee applies upon loan approval. This credit union is federally insured by the National Credit Union Administration.