Useful Tips for Holiday Financials

As the holiday season approaches, so do the expenses. Buying candy for trick-or-treaters, setting up the Thanksgiving feast and buying Christmas gifts for your family can all be huge burdens on your wallet.

Sure, money is pretty far down the list of things that make a great family holiday, but it helps, and as a member of a credit union, we can help. There are a few things you can take advantage of as a member that ensures you’re never short a few bucks once the holidays roll around.

The holidays should be spent with family. We can help you provide provide for them.

Easy Checking

First and foremost, we offer free checking accounts to all members looking to set up an account with us. We do not charge monthly fees and you only need $25 to open an account. Whether you’re new to the credit process or want to start an account for your child as a gift, we make it easy to get started. With our debit cards and multiple branch and ATM locations, it’s just as easy to get your money whenever you need it.

Letting Things Slide

Sometimes, though, you could use a little help finding some extra cash for holiday expenses, and as a member, we can help in a few ways. If you have taken out a loan with us and are in good standing, you can apply to skip a payment and use that money for whatever you need. The process is simple and requires no pre-requisites other than applying two weeks before the payment due date and your loan not being past 10 days delinquency.

As a member of our credit union, we also offer holiday loans at competitive rates that will not require a payment until 2016. We understand money can be tight this time of year and will work with you to make sure you can get what’s needed.

Planning with You in Mind

Money should never be an issue when it comes to the holidays. At Valley Federal Credit Union, we make sure to offer all of the help we can so that only your family is on your mind. If you would like to learn more about what we offer to members, contact us through email or visit any of our four Valley locations.