Take a break from your loan payment!
Holiday stress? Relax! Let North County Credit Union put a little breathing room in your budget.
Choose your month to skip a payment during the holiday season on any qualifying North County Credit Union loan.* Then use the money any way you wish - purchase gifts, pay down other balances, or just treat yourself for a change!
Select one period to skip payment:
- November monthly payment (please return form by October 25, 2013)
- December monthly payment (please return form by November 22, 2013)
- January monthly payment (please return form by December 20, 2013)
- February monthly payment (please return form by January 24, 2014)
A $35 Service Processing Fee applies.
Download our Skip-A-Payment Application Form to learn more and return it to us today. If you have any questions, email us or give us a call at (858) 487-1880.
*Signature on Skip-A-Payment certificate form represents agreement with Terms of Offer. Skip-A-Payment option only available for fixed-rate Personal, Auto, and Auto Equity Loans. Skip-a-Pay defers one payment for the loan(s) checked on this certificate. Loan(s) must be in good standing. Loans less than one year old, or if modified with a payment extension over the past year, are not eligible for this offer. North County Credit Union reserves the right to refuse any skip-a-payment request. Interest will continue to accrue on the outstanding balance of the loan. Borrower continues responsibility for all outstanding principal and interest, and agrees to resume timely monthly payments following the skipped payment. Borrower's pledge of security shall remain in effect until the loan is fully repaid, regardless of original maturity date. Any credit life and/or credit disability insurance on loan will not extend beyond the original maturity date of the loans.
Holiday Loan Special: 3.99%APR*
Need more cash for the holidays? Get a low rate few credit cards can match or beat to help pay for holiday expenses! Borrow up to $2,500 at an extra low rate of just 3.99% APR* for up to 12 months.
Check out these low monthly payment examples (each assumes a 12-month loan term). See what you can comfortably afford. Can you say: "Ho! Ho! Ho?"
Borrow $500: Your approximate monthly payment would be $42.58.
Borrow $1,000: Your approximate monthly payment would be $85.14.
Borrow $2,500: Your approximate monthly payment would be $212.86.
Act fast! This Holiday Loan Special is only available now through January 31, 2014.
To get our low rate Holiday Loan:
- Call our Loan Department at (858) 487-1880 to apply over the phone.
- Apply online (enter promo code: HL13 on the application).
- Stop by our branch and apply in person. We'd love to see you over the holiday season!
*APR=Annual Percentage Rate. Rate effective October 1, 2013 and may change at any time without notice. Call the Credit Union at (858) 487-1880 to learn if it has changed. Applicant must meet credit union membership and credit criteria to be eligible for this rate offer. Other restrictions may apply.
MEMBERS Financial Services has a new online look
Members Financial Services has updated their online content to bring you more research and information to help you with your investment and insurance choices. Check it out today.
Our Current “Directions” Newsletter
Make sure you read our quarter newsletter, "Directions." Each issue highlights special promotions and provides helpful information to manage your finances. And don't forget to share our quarterly newsletter with family and friends. You must have Adobe's Acrobat Reader in order to view.
Fourth Quarter 2013
Third Quarter 2013
Second Quarter 2013
First Quarter 2013
New Articles From The Home & Family Finance Resource Center
Take a look at the topics featured in this issue of the Home & Family Finance Resource Center. Add this page to your "favorites," and check it out on a regular basis for new information on future content.
- November Financial Fitness Challenge-Holidays Are Rich With Teachable Money Moments (featured Nov. 1)
As you interact with your children during the holidays, look for and use the teachable moments the season offers.
- Retirement: More to Prepare Than Finances (featured week of Nov. 11)
Once it appears you're financially set to retire, there's one big question still hovering: Am I ready? Experts advise that the answer to that question is not about being ready, but rather about getting ready.
- What to Do if You Lose Your Smartphone (featured week of Nov. 18)
There's no sugar coating it...losing your phone is the pits. Follow these steps to increase your chances of finding it.
- Shop and Save in Every Season (featured week of Nov. 25)
Black Friday, Cyber Monday, and the day after Christmas aren't the only times to score great deals. Inventory changes, trade shows, and product upgrades are just a few reasons that make each month a sale season.
Start reading today!