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Need a little Holiday Help?

Live Smarter with a Holiday Loan

Cover Expenses like Gifts, Travel, Meals, and More

As we approach the holiday season, our best intentions and desire to give can temporarily exceed our account balance, and paying off our holiday debt all at once (or at high interest rates) can become costly. A smarter approach: financing these expenses with a lower-interest loan that can be paid back over a longer period (up to a year*). That’s where a First Source Holiday Loan comes in.


What Expenses Qualify?

Funds from a Holiday Loan can be used to pay for qualifying expenses like holiday travel, gifts, food and groceries, or entertaining. We encourage our Members to save over the course of the year for these year-end expenses, but often we still need a little help.


Planning Ahead

If your funds for holiday expenses traditionally run low before the holidays are over, you may be miscalculating your seasonal budget. A Holiday Loan can help you plan and follow a holiday budget as closely as possible. While unexpected expenses may come up, with a budget, we’re much more likely to stay on track.

We work to ensure you understand the payments before finalizing your loan. If your monthly budget won't allow for the additional amount, we may have to adjust. We can help you work out the details so you can pay off your loan in a year (or less), and be ready for next holiday season.


Why a Great Rate Matters

The First Source Holiday Loan is currently at 4.99% APR, significantly lower than most credit cards, with terms that allow for predictable and manageable payments. Resorting to other methods with high interest rates to cover expenses can end up hurting your finances. 


Limited Time

Our Holiday Loan is only available from November 1st through December 14th, 2019, and requires application and approval time, so make an appointment to meet with one of our Financial Service Representatives as soon as possible to see if you qualify. Then you can focus on what’s most important, and enjoy your holidays with peace of mind. To get started, make an appointment and we can help you work up a plan.

Make an Appointment


Or if you prefer to start the applicaiton over the phone, please call our Member Care Center at 315-735-8571.

Let's get started.

Make an appointment to see what's possible and how you qualify.

Make an Appointment

Say goodbye to large credit card bills after the holidays. A lower-rate First Source Holiday Loan could help with your holiday expenses, so you can stop worrying about finances, and focus on what matters most.

Not sure which term is right for you?

Check out our helpful loan comparison calculator.


Loan Comparison Calculator

*Monthly payments for a 1 year holiday loan would be $85.61 per $1,000 borrowed.
Federally insured by NCUA. Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change. By submitting your email, you give First Source permission to send you informative and promotional emails, including information on upcoming events, products, and services. You may change your designation at any time in the future. Thank you for letting us help you Live Smarter.