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Shopping for gifts, traveling to family, holiday parties — it's all about to begin. How will you pay for the holidays this year?

Lucky for you, EPFCU has got your back with multiple ways to cover your holiday expenses. Choose one — choose them all!

Open a uChoose Club Account

Starting with just $5‚ you can start setting aside money now for the holiday expenses you know are coming. We make saving easy for you using Direct Deposit with Payroll Distribution.

Get a Holiday Loan

We offer special holiday signature loans from October 15 to December 31 to help you cover the costs of celebrations, travel and gifts.

Holiday Loan Rates

Effective Oct 15, 2018Print

Term APR* Est. Monthly Payment
per $1000
Up to 12 Months 6.00% $86.07/12 Mos.**
*APR = Annual Percentage Rate. Applications are subject to credit approval, and actual rate is based on your credit. All rates are subject to change without prior notice. Rates shown are our Platinum Loan Rates. Not all applicants will qualify for the lowest rate. Other restrictions and discounts may apply.
**Monthly payment example: A loan of $2,000 financed for 12 months would be $86.07 x 2 = $172.14 per month; your loan will have a total cost of $2,065.68 ($172.14 x 12).

Apply to Skip-A-Payment

We reward your good repayment history with an option to take a month "off" up to twice a year. Choose to skip a payment around the holidays to free up some extra cash.