Stress Less on Holiday Expenses

Headphones, clothing, spiffy shoes, video games… a Christmas list can go on and on!  While it’s true that this season is one of the most wonderful times of the year, it can also be one of the most stressful.  Many of us feel the pressure to find the perfect gift – which may come with a hefty price tag.

How do you pay for all the gadgets, gizmos, and gifts? Do you pull out the plastic and throw caution to the wayside, ignoring the guilt and financial pressure? Well, we’re here to tell you there’s a way to spend this Holiday season without the buyer’s remorse!

Did you know the national average of interest rates on credit cards is a whopping 14.95%? YIKES. This is just one of the reasons we are excited to be offering our annual Holiday Loan with a low 1.99% annual percentage rate!

A few key details about the SCFCU Holiday Loan:
- Available now until December 31st, 2013
- Minimum loan is $500
- Maximum loan is $4,000
- 12 month term
- 1.99% APR (WOW!!!)
- Offer available to qualified borrowers on approved credit
- New money only
- No collateral required

We offer this special financing so you can buy gifts for the Holidays at a lower cost than credit cards or other loans. The term (AKA the loan payback period) may seem short, but this helps us encourage and remind our Members that part of being Financially Fit means not over-extending your debt.  In other words, we don’t want you to still be paying for the Holidays during next year’s Holiday season; after all, next Christmas rolls around just 12 months later!

If you’re looking for a way to stick to your budget, stay Financially Fit, and truly enjoy the Holidays, contact one of our Lenders at (320) 258-2190 today – you’ll be glad you did!

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Happy Holidays from all of us at St. Cloud Federal Credit Union, where our Mission is to educate, support and encourage our Members to be Financially Fit.