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 of 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!
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 each time you use a “skip”. This extra "skip" must be used by December 31, 2022.
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 the blink of an eye, leaving you with a major headache during the holidays. Instead, use a credit card to help protect your checking account from thieves! You can even apply online to open your credit card.
Christmas Club Accounts
It may seem odd to start talking about next Christmas, but now is a great time to open a Christmas Club account! These special savings 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, those funds automatically transfer to your savings account around mid-October every year. You can open a Christmas Club account online! If you're already a Heritage South member, simply log in to your account online or in our app, click your profile picture in the bottom of the left menu, then select "add an account."
*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, 2022. The fee for Skip-A-Payment is 15% of the 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. If you have GAP insurance, be sure to speak to a lender about how skips affect GAP. 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. May not be used on first loan payment. Other restrictions may apply.