The holiday season is upon us! If you are stressed about finances as we near the end of the year, your credit union has a few suggestions that should help. Remember: We Help When Others Won't!

Christmas Loan Special

Need a little extra funds this holiday season? Our Christmas Loan Special* can make things more affordable and less stressful! It can get you up to $3,000 at a rate 1% below your normal signature rate with terms up to 12 months depending on the loan amount. We want you to enjoy the holidays this year - talk with any of our lenders today about this special!

Skip PaymentSkip-A-Payment Program

Heritage South’s Skip-A-Payment** program was created to help you when you need relief OR when your payment amount could be used to bring smiles to you and your family…like making Christmas dreams come true! If you have already used a "skip" this year, we have a timely gift: an extra Skip-A-Payment! The “skip” does not affect your credit history, but it does extend the terms of your loan one more payment each time you use a “skip”. This extra "skip" must be used by December 31, 2019.

Credit Cards

With the holiday season comes more spending than usual. Protect your accounts as you shop online or in-store with a credit card from Heritage South! Data breaches and stolen card numbers are all too common these days. If your debit card number is stolen, thieves can empty out your accounts in a blink of the eye, leaving you with a major headache during the holidays. Instead, use a credit card to help protect your checking account from thieves!

Christmas Club Accounts

It may see odd to start talking about next Christmas, but now is a great time to open a Christmas Club account! These special saving accounts are a disciplined way for our members to save money for the holidays. Your funds are kept in a separate account that you can add to throughout the year. Then, around mid-October every year, those funds automatically transfer to your savings account. You can open a Christmas Club account today by logging into your online account and heading to the "Open Sub Account" option on the Services tab.

*Christmas Loan Special is subject to credit approval. Loan amount up to $3,000.00. Terms over ten (10) months to twelve (12) months, depending on the loan amount. Limited time offer.

***Extra Skip-A-Payment must be used by December 31, 2019. Fee for Skip-A-Payment is 15% of loan payment. Credit history may influence participation. Interest will continue to accumulate on your loan(s) during the month you skip your payment. Only a limited number of skipped payments are allowed each year. Skip-A-Payment is not valid for any loans secured by your home or real estate. Does not apply to semi-annual or annual loan payments. Other restrictions may apply.