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When Your Merry Christmas Wishes Need Just a Little Help, WKFCU Has the Playbook!

Everything you hear and read says “START NOW” with planning and buying for the holidays. That is good advice, but it can sometimes be hard to do. Your credit union is ready now to help you get all that planning and buying lined up.

Use our Christmas Playbook to call your plays for Happy Thanksgiving, Merry Christmas and a less stressful New Year.

HOLIDAY LOAN -- Available Nov. 2 - Dec. 21, 2020

$1,000 at 10% APR* paid off in 10 Months

Get the cash you need at a low interest rate and it only takes 10 months to pay it off. It does require one year of employment at your current job. Payments are $60 bi-weekly over 10 months and must be made by payroll deduction or ACH direct debit.

Call either branch to apply or go to our website, www.wkfcu.org.

Lighten Your Load With HOLIDAY SKIP-A-PAY!

You can choose to skip the November or December Payment on your credit union Loans. You select the month to skip your loan payment, November OR December. There is a $30 processing fee per loan payment you choose to skip. You can print out a request form on our website, www.wkfcu.com, pick one up at either branch or call us and we will fax one to you. You can then bring it by either branch or fax it back to us. The important thing to remember is the deadlines to get your form back to us.

  • To skip November, the deadline is Nov. 9
  • To skip December, the deadline is Dec. 8

There are a few other things you will find in the disclosures for the Holiday Skip-a-Pay:

Skipping two consecutive bi-weekly payments is equal to skipping one monthly payment on your loan. By signing the form you authorize Willis-Knighton Federal Credit Union to extend your final loan payment by one month. The $30 processing fee per loan will be automatically deducted from your savings or checking account or you may pay with cash or check. Interest will continue to accumulate on your loan during the period that you skip your payment. Payments made through payroll deduction or direct deposit will be deposited into your share savings account for the period that you are skipping your payments. Your account must be in good-standing to be eligible for the skip-a-payment program. Real Estate loans, credit cards, first payment loans and delinquent loans are not eligible for this promotion. You may only skip ONE payment per loan.

CHRISTMAS CLUB ACCOUNT

You may think just let me get through 2020 before I start to think about Christmas 2021, HOWEVER, just a few minutes can make a big difference for next year. Add a Christmas Club account to your account, set up payroll deduction so that some money (any amount you wish) goes directly into that account each pay period. You don’t even have to think about. Then on the first business day in October, 2021, the money is automatically transferred into your regular savings account and it is ready to spend. This can really save you a lot of holiday stress.

You still have access to this account at any time if you need it, HOWEVER, there is a $10 fee for each time you withdraw money from the account before Oct. 1. You will earn dividends on the amount that is in your account on Oct. 1. After your money is transferred into your regular savings, the Christmas Club Account deductions simply keep going for the next year. You can change the amount you put into your account at any time.

REFINANCE AT WKFCU -- Cash for Christmas Could Be Sitting in Your Driveway

If you have a vehicle, boat, motorcycle, RV, ATVs or basically anything that moves, financed at another bank or credit union, REFINANCE that loan at your credit union. Reduce your note, your rate or your term -- AND -- Don’t make a payment until 2021.

  • Rates as low at 2.99% APR*
  • NO PAYMENT For 90 DAYS
  • Member Loyalty Discount reduces your rate by another 0.25%
  • and much more

VISA CLASSIC CREDIT CARD

Our rates as as low as 6.9% APR*
No Annual, Balance Transfer or Cash Advance Fees

If your Holiday Game Plan calls for cash -- SEND IN WKFCU!!!!
Give us a call. We Are Here For You!
AND
Your Immediate Family Members Can Join Too! Bring’em on Down!!!

Rates Quick View

Loan Rates (% As Low As)
APR*
Auto 2.75%
Boats 2.75%
Motorcycles 2.75%
Personal Loans 9.00%
Share Secured 4.00%
Certificate Rates (% As High As)
APY*
6 months 0.30%
12 months 0.30%
18 months 0.40%
24 months 0.40%
36 months 0.50%
48 months 0.50%
60 months 0.60%

View All Rates

*APR = Annual Percentage Rate
*APY = Annual Percentage Yield
Rates are subject to change without notice

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