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Start the Cheer with a Holiday Loan

The Grunch says holiday magic is overrated—too much spending, too much effort. But we disagree! With a little help from our Holiday Loan, you can make this season bright and budget-friendly. Whether it’s gifts under the tree, travel to see loved ones, or a cozy winter home refresh, you can enjoy every sparkling moment without the stress. Enjoy flexible terms, affordable payments, and a little peace of mind. And because we practice Rate Equality, everyone gets the same rate.

Borrow up to $5,000 at 8.99% APR* for 1 to 12 months!


You might even be pre-approved!

To check your special offers in Online Banking, click the Just for You tab and select My Offers (desktop) or tap More, Just for You, and My Offers (mobile). If you’re pre-approved, you can click to accept and customize your offer in seconds.

 

Not yet an Online Banking Member?


Apply for a holiday loan toDay & keep your season merry—no Grunch allowed!

Example of the total cost of a Holiday Loan:

A $2,000 loan at a non-variable rate of 8.99% APR* for a 12 month term would have a $176 monthly payment. This equates to a total cost of $2,099.04 over the life of the loan. Membership required with a $5 share deposit.

*APR= Annual Percentage Rate effective 11/1/25 and expires 12/31/25. The rate will not increase during the term. Loan amount dependent upon credit worthiness. Existing FFCU and TLC loans not eligible. Cannot be combined with any other offer. Membership required with a $5 share deposit. Some restrictions may apply. Rates and terms are subject to change. 
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