Choose Your Holiday Adventure with SMW Financial Credit Union

Flexible Financing for a Stress-Free Season in Lino Lakes & Maplewood, MN

The holidays should be about joy, not financial stress. At SMW Financial Credit Union, we’re here to make your season brighter with two flexible ways to manage holiday spending; all while building a stronger financial future. Whether you want extra cash for gifts, travel, or festive plans, or you’re focused on building credit for the new year, SMW has the right solution for you.

Holiday Loan: Borrow Up to $5,000 with a Special Low Rate

Make holiday magic happen with a personal Holiday Adventure Loan. Borrow up to $5,000 and enjoy a rate that’s 3.00% lower than our standard unsecured loan rate. From family celebrations to travel plans and everything in between, this is the boost your holiday budget needs.

• Borrow up to $5,000.00

• Flexible terms and simple payments

• Rate is 3.00% lower than standard unsecured loans

• Auto-pay and an SMW checking account required

Shared Secured Credit Card: Build Credit While You Shop

Looking for a smarter way to spend this season? Our Shared Secured Credit Card is designed to help you build or rebuild credit with confidence — and with competitive rates, no annual fee, and the power of a VISA. It’s perfect for holiday purchases now and financial growth in the year ahead.

• Secured by your SMW share savings

• Competitive APR and standard VISA benefits

• Helps build or rebuild credit responsibly

• Auto-pay and an SMW checking account required

Get started today at our branches in Lino Lakes or Maplewood or apply online at the links above. With SMW Financial Credit Union, your holiday adventure, and your best financial future, is closer than you think.

*APR = Annual Percentage Rate. Rates as low as 8.29% APR. Actual rate and terms you receive will be based on your individual credit history. All loans subject to credit approval. Rates and terms subject to change. Offer valid October 15 - December 31, 2025 and may not be combined with any other offer. Membership eligibility is required. **A minimum deposit in an SMW Financial Credit Union Share Savings account is required to secure your credit line, your credit limit will equal your deposit plus $100.00. Funds used to secure your card will remain on hold until the account is closed and paid in full. No application fees, no annual fees, and no closing costs. Rates are based on Risk Based Pricing Model. The APR for purchases, balance transfers, and cash advances is fixed at 12.99% - 18.00%. Maximum APR is 18.00%. Finance charges begin to accrue on the transaction date. Your payments will be applied as outlined in your Card Agreement. Other fees may apply, including late payment fees, returned payment fees, and replacement card fees, as disclosed in your Credit Card Agreement. This card is share-secured, meaning your SMW savings account funds serve as collateral for your credit line. Using this card responsibly may help you establish or rebuild your credit history. Federally Insured by the NCUA.