Holiday Helpers.



Holiday Help is Here! 

It's the most wonderful time of the year and yet, it can also be the most costly. We put together a few options that could help you get the extra cash you need in time for the holiday season. 

holiday credit card


VISA Credit Card Special

You might be tempted to use those high interest retail credit cards to shop this year, but before you do, check out the special holiday purchase rates on the UFirst VISA Credit Card! Purchases made between October 1st through year's end will have a repayment rate as low as 1.90% APR* until 12/31/2024 (after as low as 7.90% APR). There's nothing to fill out or apply for...just start shopping!! 

Not a UFirst credit cardholder? Includes all newly ordered cards during promotion. 

 Apply Today or contact our lending team at 518.324.5700 option 2 or 

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Holiday Loan 

During the holidays, we can sometimes find ourselves a little short on cash. Many of our members enjoy the low-rate and short term of our Holiday Loan. Get up to $2,000 to use for holiday shopping, vacation getaway or whatever you need. Plus enjoy a nice and short payoff term of 10 months and no payments for 60 days. So you can catch your breath a bit before paying it back. Rates start as low as 6.00% APR*!  

Holiday loans are offered during October 1st through December 24th.

Apply Today or contact our lending team at 518.324.5700 option 2 or  

Holiday 4


Tis the Season for Skip-a-Pay

Unwrap extra funds this holiday season with Skip-a-Pay! For a small fee, you may be eligible to skip your November, December or January loan payment, giving you some extra cash for your holiday shopping. Get your application in soon! Skip-a-Pay requests must be turned in at least 15 days before payment is due. 

Click here to access the form or contact our lending team with any questions. 

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Holiday Club Savings Account 

Prepare for holiday fun with our Holidays Club savings account. Whether you use the funds to travel or buy gifts, you can avoid using credit cards or being short on cash by saving throughout the year. Holiday Club accounts rollover into your savings or checking on October 1st of each year. 

Open Yours Today! Text or give us a call at 518.324.5700 option 1 or email us at


Credit Card

Holiday Loan

APR = Annual Percentage Rate. Subject to credit approval and credit union lending guidelines. Promotion runs October 1, 2023 through December 24th, 2023. Restrictions may apply. Terms and conditions are subject to change at any time without notice. Contact us for details. 

Skip a Pay

Member must have an eligible loan type, complete a request form, and credit union approval required for all deferred payments. Interest will continue to accrue. Deferment of this payment will extend the life of your loan and may cause an increase in the final payment amount. If you no longer qualify, the offer may be withdrawn. You may not skip more than (2) payments in a 12-month period. Deferred payments will not be covered by GAP protection, Life and Disability protection. 

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