Christmas Loans
Create a memorable and worry-free festive season for your family. A Christmas Loan makes end-of-year holiday expenses predictable and affordable.
Why Choose a Credit Union Loan for Christmas?
Don’t Let Money Worries Steal Christmas This Year
Christmas is a time to celebrate, but without proper planning, the most wonderful time of the year can also become a source of financial worry. For many Arkansans, spending on gifts, travel, and decoration can lead to higher credit card debt or cash shortfalls in the New Year.
A Telcoe Federal Credit Union Christmas Loan can help ensure your holidays are both memorable and affordable by providing a convenient source of spending money when you need it most
With a Telcoe Christmas Loan, you can:
- Borrow just the cash you need and pay it back at a low, fixed annual percentage rate.
- Make predictable repayments every month so you can budget and plan ahead
- Spread the cost of your celebrations over up to 12 months, rather than trying to absorb it all at once
- Avoid unpaid bills, cash shortages, or high-interest credit card
debt
Don’t let financial worries put a damper on your holiday season this year. Manage your spending the stress-free way with a Christmas Loan from Telcoe Federal Credit Union.
Apply now, and start planning your celebrations today!
Telcoe Federal Credit Union Christmas Loan Rates
| TYPE | APR | AMOUNT | TURNAROUND TIME | TERMS |
|---|---|---|---|---|
| Christmas | As low as 8.54% | $500 to $2,000 | Same day when credit allows | up to 12 months |
All deposit rates are variable and subject to change at any time.
Plan Ahead With Our Christmas Loan Calculator
Enter your desired loan amount and interest rate into our Christmas Loan Calculator and see how much you will need to pay back every month.
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"This bank is one of the best kept secrets. Customer service is phenomenal. I really have to give it to this bank. Telcoe isn’t like the other larger banks. Keep doing a great job, guys!"
– LaShawn H., Little Rock, Arkansas
★★★★★
"Telcoe Federal Credit Union has been there for 15 years-plus for me and my family. The staff there is knowledgeable and willing to listen and share financial information."
– Norma T., Little Rock, Arkansas
★★★★★
"I’ve been banking with them for 21 years. I’ve always had pleasant experiences. They have always been professional and always willing to help. Thank you for all you do!"
– Petra L., Little Rock, Arkansas
Christmas Loan FAQs
What is a Telcoe Federal Credit Union Christmas Loan?
Telcoe’s Christmas Loan is designed to help our members manage their holiday-related costs. By offering small loans at reasonable rates, we provide a convenient way for members to absorb the cost of end-of-year celebrations without overspending or incurring higher interest debt on credit cards or unpaid bills.
How much can I borrow with a Christmas Loan?
You can borrow between $500 and $2,000 with a Christmas loan, depending on your needs and the strength of your credit.
What is the maximum term for a Telcoe Christmas Loan?
Christmas Loans are offered with terms up to 12 months.
How are funds paid out for Christmas Loans?
Once approved, funds are dispersed as a single lump sum directly into your Prime Savings Account.
How are Christmas Loans repaid?
Christmas Loans are fixed-rate loans. That allows borrowers to make a single, fixed monthly payment for the duration of their loan term, making it easier to budget and plan for other priorities.
Who is eligible to join Telcoe Federal Credit Union?
Telcoe Federal Credit Union proudly serves various large and small employer groups, organizations, charities, and counties throughout Arkansas. If you’re employed by one of our Select Employer Groups, you could be eligible to join Telcoe and enjoy our membership benefits.
Membership is also open if you live, work, attend school or worship in the state of Arkansas. You must have an Arkansas driver’s license or state-issued ID.
Have questions? We’re here to help — just contact us!
Ready to Make Holiday Spending Easier with Telcoe?
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