Holiday Spending? 'Snow Worries!
The holidays can be a wonderful time of year... but between shopping, travel, family gatherings, treating yourself, and everything else on the calendar, expenses can add up pretty fast.
SMW Financial Credit Union's Holiday Loan can help you cover those extra seasonal costs with a lower rate and manageable monthly payments. From finding the perfect gifts to making the trip home for the holidays, or just enjoying some extra snacks and streaming movies in your jammies at home, we're here to help you make the most of the season.
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A Little Extra Help for the Holidays
With an SMW Holiday Loan, you can borrow what you need for your holiday plans and pay it back over time.
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Borrow up to $5,000
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Rates as low as 8.29% APR*
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Repayment terms up to 36 months
Use your loan for holiday shopping, travel expenses, family celebrations, or other seasonal purchases.
With a fixed repayment schedule, you'll know what to expect each month as you plan your next year's budget.
Make Your Holiday Plans with SMW
We know the holidays look a little different for everyone. Maybe you're hosting the whole family this year, traveling, or simply trying to get everything checked off your end-of-the-year to-do list.
Whatever's on your calendar, our team is here to help you explore your borrowing options and find a payment that works for your budget.
Our Holiday Loan special is available November 1 through December 23, 2026, so be sure to apply before the offer ends.
Prefer to talk with someone first? Give us a call at 651-747-1500 or stop by SMW Financial Credit Union.
*APR = Annual Percentage Rate. Holiday Loan offer available from November 1 through December 23, 2026. Not everyone will qualify for the lowest rate. Approval depends on credit worthiness. SMW FCU can change or end this offer at any time without notice. Member eligibility required. SMW FCU is insured by the NCUA.