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“Wait. Only how many shopping days until Christmas?!”
“I’ve got to plan better next holiday season!”
“I should’ve been saving all year long.”

 

Sound familiar? Does the holiday season always sneak up on you even though it happens at the same time every year? If you’re like most people, you probably resolve to do better next year—but your best intentions fade around the same time most New Year’s resolutions fail. So, how do you keep the stress of shopping from stealing all the holiday magic? By planning ahead, that’s how.

 

With a full array of financial products and services, Crosspoint Federal Credit Union has the solution to your annual holiday dilemma. Save all year long with a Holiday Savings Club account, enjoy low rates on a Crosspoint personal loan, or take advantage of your home’s value with an equity loan. Not sure which product is best for you? Our team is ready to help you figure it out.

Crosspoint Perks

Holiday Savings Club Account

By opening a Holiday Savings Club Account, you can set aside money from your paycheck on a weekly or bi-weekly basis and allow it to earn interest throughout the year. You don’t even have to worry about forgetting to withdraw it in time. The funds will automatically transfer to your regular Share Account in October.

Personal Loan

If you want to make your holiday purchases while maintaining your cash flow, a Personal Loan can help. We offer two types of personal loans: Signature Loans and Share Secured Loans. While these “signature” loans are designed to meet specific needs, each can provide the funds you need at lower rates than traditional lenders can offer.

Credit Card

It can be tempting to apply for store credit cards, but the high interest rates often cause you to pay more than you should. CFCU offers three VISA credit card options, each with a low interest rate and a unique set of benefits. Sidestep those high-interest store cards and expand your purchasing power with a Crosspoint VISA.

Home Equity

If it’s your turn to host a holiday gathering for family and friends, a Home Equity Loan or Line of Credit is a smart way to pay for home improvements before the big gathering. As a Crosspoint FCU member, you can take advantage of competitive rates and flexible terms that make it easy to upgrade your house while staying on budget.

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