Q: Help! I’m fretting over holiday expenses. How am I going to pay for all this stuff?
A: Relax! You can keep your budget and your sanity, too! Take a few minutes to learn how you can spend responsibly this season. Let’s explore some options:

1) Holiday Loan
If your holiday expenses will be up to $2000, you can apply for a holiday loan with Long Island State
Employees FCU. Our Holiday loan’s interest rate is 1% less than our personal loan and you will pay it back in one year which means next year this time you are done with paying back your loan.

2) Personal loans
If your holiday expenses are more than $2000, apply for a personal loan with us. Our personal loan’s interest rate is much lower than the interest rate on credit cards.

3) Skip-a-Payment
At Long Island State Employees FCU, we offer you our own gift this time of year: the option to skip a loan payment to give you that extra cash flow. When you choose Skip-a-Payment, you can pay for those presents without adding to your current debt. No high-interest bills to haunt you!

4) Holiday Club Account
Pay a little bit toward this expensive season all year long by opening a Holiday Club Account. Holiday Club Accounts offer you a way to pay for your holiday shopping ahead of the season,instead of playing catch-up on your bills in the coming months. It’s never too early to start
thinking about next year!