Make the Holidays More Manageable
Cover seasonal expenses with a fixed 8.99% APR*, monthly payments, and a clear payoff date. Borrow $250 to $3,000 with a term of up to 11 months.
A simple way to cover the season
A short-term loan with clear terms, a fixed rate, and a set payoff date.
Fixed 8.99% APR*
Borrow from $250 to $3,000 at a fixed 8.99% APR.
A Clear Payoff Date
Repay over up to 11 months. Every Holiday Loan must be paid in full by November 30, 2027.
Easy to Estimate
A $1,000 loan at 8.99% APR for 11 months has monthly payments of approximately $95.05.
Optional Protection
Credit life and disability insurance are available. They are optional and not required to obtain the loan.
Straightforward terms for the season
Available November 1, 2026 through January 15, 2027, with membership and credit approval required.
One fixed rate for every Holiday Loan.
Choose the amount that fits your needs, subject to approval.
All Holiday Loans must be paid in full by November 30, 2027.
See what a payment could look like
A $1,000 loan at 8.99% APR* for 11 months would have 11 monthly payments of approximately $95.05. Your actual payment depends on the amount you borrow and your final loan terms.
Four steps from apply to payoff
Apply
Complete the online application. Questions? Call us, chat with us on our website, or visit a branch.
Application Review
We review your application using standard underwriting guidelines, including verification of income and debt-to-income review.
Review Your Terms
If approved, review your loan terms and your optional credit life and disability insurance choices.
Repay on Schedule
Make your monthly payments. Your Holiday Loan must be paid in full by November 30, 2027.
Membership and approval
Membership is required. All Holiday Loans are subject to credit approval and standard underwriting guidelines. A minimum credit score of 620 is required for all applicants and co-applicants.
What to know
A quick overview of eligibility, payments, and optional coverage.
Eligibility
- Filer Credit Union membership is required
- Minimum 620 credit score for every applicant and co-applicant
- Subject to credit approval and standard underwriting guidelines
- Verification of income and debt-to-income review
- One active Holiday Loan per member
- Any prior-year Holiday Loan must be paid in full first
Payments
- Term of up to 11 months
- Paid in full by November 30, 2027
- Payments received more than 14 days past the due date are subject to a $25 late fee
- Automatic payments may be set up on your loan
Optional Coverage
Credit life and disability insurance are available on your loan. Coverage is optional and is not required to obtain a Holiday Loan.
Ready for your Holiday Loan?
Call us at 231.723.3400, chat with us on our website, visit a local branch, or view all Filer Credit Union contact options.
*APR = Annual Percentage Rate. Holiday Loans are available November 1, 2026 through January 15, 2027, and are subject to credit approval and standard underwriting guidelines, including verification of income and debt-to-income review. A minimum credit score of 620 is required for all applicants and co-applicants. Loan amounts range from $250 to $3,000 at a fixed 8.99% APR with a term of up to 11 months; all Holiday Loans must be paid in full by November 30, 2027. Example: a $1,000 loan at 8.99% APR for 11 months would have 11 monthly payments of approximately $95.05. Limit one active Holiday Loan per member, and any prior-year Holiday Loan must be paid in full before a new one can be approved. Payments received more than 14 days past the due date are subject to a $25 late fee. Credit life and disability insurance are optional and not required to obtain the loan. Membership required. Rates and terms are subject to change without notice. Federally insured by NCUA.