Capture More Magic!
Make NCACU your go-to partner for all your holiday shopping needs.
The holiday season is in full swing, and we’re here to help you spread joy, give back, and create cherished memories—without the financial stress. At NCACU, we offer a range of solutions to make the most of the holiday spirit while keeping your budget on track. Trust us as your go-to partner for all your financial needs this season.
Holiday Loans: Manage Holiday Expenses with Ease
Kick off your celebrations stress-free with our special Holiday Loan! From now through December 31, 2024, qualified members can borrow up to $2,500 at a low fixed rate starting at 11.99% APR*. Use this versatile loan for gifts, travel, entertainment, or anything else that brings holiday joy.
- Quick, Convenient Access: Apply through Online Banking or visit us in-branch for a hassle-free experience.
- Budget-Friendly: Unlike high-interest credit cards, an easy repayment plan keeps your finances under control.
Double Rewards with Your NCACU Credit Card
Make every holiday purchase more rewarding! Through December 31, 2024, you’ll earn double points on every purchase made with your NCACU Rewards Credit Card.** Your card is perfect for gifts, planning a getaway, or splurging on holiday treats. Plus, you’ll maximize every dollar you spend!
- Earn 2x Points on All Purchases: Redeem points for gift cards, merchandise, or travel.
- Low Fixed APR: Enjoy rates as low as 10.99% APR* and avoid the unpredictably high rates of bank and retailer cards.
- Extra Perks: Zero Liability Purchase Protection and enhanced online security offer peace of mind during the busy holiday shopping season.
Plan for Next Year: Open a Christmas Club Account
Looking ahead to 2025? Our Christmas Club Account lets you save consistently throughout the year, helping you prepare for holiday spending without the stress. With automated deposits and other budgeting resources, managing your funds has never been easier!
Online Tools for Holiday Management
NCACU offers online banking, budgeting tools, and mobile features to simplify holiday spending. From tracking purchases to scheduling payments, our digital solutions put you in control of your financial journey. You can also sign up for alerts and stay informed about where your account and funds currently stand.
Capture More Holiday Magic: Get Started Today!
At NCACU, we’re ready to help you capture the magic of the holiday season without the frustration and worry. Apply for one of our lending solutions today, or consider opening a Christmas Club Account. Whatever your needs, we have the right holiday solution!
*APR = Annual Percentage Rate. Rates are effective as of December 1, 2024, and are subject to change without prior notice. Your rate may vary based on term, credit history, and credit score — qualifying members will only receive one Special Short-Term loan per member at one time. Any previous Special Short-Term loans will be paid off prior to receiving a new special. Offers in online banking are good for up to $1,500; members can go into their local branch to inquire about borrowing up to $2,500. The offer is good through December 31, 2024. Ask us for complete details.
**APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Payments made to your account will be applied first to any finance charges/interest and other fees due and then to the unpaid principal balance with the highest APRs. The balance transfer rate is effective on balance transfers for the first 12 months. After 12 months, the remaining balances will begin incurring interest at your card’s standard Retail/Purchase APR as disclosed in your cardholder agreement. Your account must be in good standing. Rewards and/or rebates are not eligible balance transfer offers. Balance transfers are not good on other current NCACU card balances. Double Rewards Points are on qualifying transactions up to $2,999 and must earn at least one point. Balance transfers, cash advances, and returns do not earn points. Points will be awarded by February 28, 2025. Other restrictions may apply; the applicant must meet current credit criteria, and we may need to pull a new credit report. See North Central Area Credit Union for details.