The holidays are a time of joy, generosity, and togetherness, but they can also be a time of financial stress. With family gatherings, travel, last-minute gifts, and seasonal promotions everywhere you look, it’s easy to let spending get out of control.

For many families, January brings more than just a new calendar, it brings credit card statements, buyer’s remorse, and the realization that holiday cheer came at a steep cost. But it doesn’t have to be that way.

DECEMBER OFFERS YOU DON'T WANT TO MISS!

CYBER WEEK SPECIAL ON AUTO REFI LOANS ENDS DECEMBER 7th!

TAKE .25% APR OFF¹: For CYBER WEEK ONLY, take .25% APR off of your qualifying rate and earn up to $200 cash² when you refinance your auto loan from another lender, with rates as low as 5.59% APR¹. Plus, NO Payments for 90 Days!³ Use promo code CYBERAUTO25 when applying!

OPEN A CHRISTMAS CLUB ACCOUNT & START SAVING FOR NEXT YEAR!

Take the stress out of next year’s holiday season with a Christmas Club Savings Account from USCCU. It’s an easy way to set aside a little each month and by next November, you’ll be ready to shop with confidence.

REMEMBER: You can quickly open a new account or apply for a loan by logging into USCCU online banking or the mobile app, tap More > Apply Now.

All USCCU branches will follow the Holiday Schedule below:

Christmas Eve, December 24: CLOSING AT NOON
Christmas Day, December 25: CLOSED 
New Year's Day, January 1: CLOSED

Federally insured by NCUA

DISCLOSURES:

1. APR = Annual Percentage Rate. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. A new hard inquiry credit report pulled by US Community Credit Union is required. All loans subject to approval. Rates current as of 12-1-2025. Floor of 5.59% APR. Membership Required. Terms and conditions may apply. Offer expires 12-7-2025. 

2. Offer expires December 7, 2025. Excludes all loans currently financed with US Community Credit Union and all USCCU loans made through indirect lending at dealerships. Offer valid on auto loan refinances from other financial institutions only. All auto loans with a balance of $20,000 and over will receive $200 cash and all auto loans with a balance of $10,000 to $19,999.99 will receive $100 cash upon loan closing when entering promotional code CYBERAUTO25 during application. Cannot be combined with another offer. Rates current as of 12-1-2025

3. Interest begins accruing upon disbursement of loan. Deferred payment option available upon request.