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Strategies to Pay for the Holidays When Cash is Tight

It’s not actually Christmas or Hanukkah now, but it is time to start getting ready for the financial demands of the holiday season. Because we know it can be challenging for families to find the money to pay for gifts and holiday travel and food, we are dedicating this issue of the newsletter to sharing financial strategies to pay for it all. Here are some practical ideas:

Buy Gifts With U-Choose Rewards

Use your Select FCU debit card to start building points now and while you shop for holiday gifts. These points can be used to buy gift cards over the holidays or in the future. Here's how it works:

· Earn rewards each time you use your card,

except for ATM usage

· Receive 1 point for every $2 spent

· Trade your points for gifts/gift cards on the uChoose website

If you haven't signed up yet and want to learn more, call us at 210-223-6561.

Skip a Loan Payment to Free Up Cash

Did you know that if you have a loan with Select FCU you can apply to skip your payment for one month to help pay for the holidays? To take advantage of this offer, fill out the form on our website and drop it off in the drive-thru or mail it to us at: 1914 N. Interstate 35, San Antonio, TX 78208

*Some restrictions apply

Make No Car Payments Until Next Year!

If you purchase a car or have an auto loan with another bank or credit union, you can skip up to two months of payments if you finance or refinance your loan with Select FCU. This will free up cash for holiday expenses and may save interest depending on your current rate. To take advantage of this offer, contact us at 210-223-6561.

Enjoy Christmas in November!

If these other strategies aren’t appropriate for you, a Select Cash Now loan may be an option. This $500 - $1,000 loan opportunity will be available from Nov. 2 through Nov. 25. There is no credit check and the repayment term is up to one year. A one-time $20 processing fee is required and you must enroll in auto payments. To apply, contact us or submit an application online through the website.

*Other loan restrictions may apply.

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These ideas are damn good and helpful for all of us, in holidays everyone is getting out of cash sometimes, but I personally prefer to use for shopping credit cards because its a very convenient way to buy, in fact, I bought fall season clothes for my hubby from and I paid them through my card.

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Routing number: 314088666

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