A little extra cash for the holidays.
Holiday expenses can add up quickly. Whether you’re shopping for gifts, planning holiday travel, preparing for gatherings, or simply looking for a little extra breathing room, Acadia FCU’s Cash for Christmas Loan can help make the season more manageable.
Wiggle room in your holiday budget
Give your holiday budget a boost with a Cash for Christmas Loan from Acadia FCU. Borrow up to $3,000 for up to 12 months to help cover gifts, travel, gatherings, or other seasonal expenses—with no collateral required.
Whether you’re checking off your shopping list, traveling to spend time with family, hosting a holiday celebration, or managing those extra expenses that seem to come with the season, a Cash for Christmas Loan can give you a little more flexibility when you need it.
These loans generally have a quick turnaround, so you can spend less time worrying about how to cover holiday expenses and more time enjoying the season.
Available October 1 through December 31, 2026.
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Borrow up to $3,000
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Repayment terms up to 12 months
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Rates as low as
APR* -
Quick application & lending process
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No collateral required
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Use for a variety of holiday expenses
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Offer available from 10/1 to 12/31 each year
Rates as low as
Monthly Payment
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We will ask for your last 30 days of pay stubs.
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Yes – a share-secured loan lets you borrow money using a savings account, a share certificate (also known as a CD in the banking world), Acadia Super Saver account, or Acadia Star Money Market account as collateral. We’ll “freeze” the amount you’d like to borrow and while the amount won’t be available for withdrawal, it will remain in your account and continue to earn dividends. Share-secured loans allow you to keep the money you have worked so hard for! As you pay down the loan, your funds become available to you again. A share-secured loan is also a great way to build or rebuild your credit score.
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We have many ways available to accept a payment on your Acadia FCU loan. Check this page for all the details!
Rates
Personal Loans
| Loan Term | APR* as low as | Loan Amount |
|---|---|---|
| 2 Years |
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Up to $15,000 |
| 3 Years |
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Up to $15,000 |
| 4 Years |
|
Up to $15,000 |
| 5 Years |
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Up to $15,000 |
| Heating & Cooling Loan |
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Up to $5,000 |
| Score Saver Loan |
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Up to $5,000 |
| Cash for Christmas Loan (Seasonal) |
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Up to $3,000 |
*Annual Percentage Rate (APR). All loans are subject to approval. For standard personal loans, borrow up to $15,000 with A or B credit or up to $10,000 with C or D credit. A minimum loan amount of $5,000 applies to 5-year personal loans. Advertised rates are based on “A” credit; your rate may vary based on creditworthiness.
Heating & Cooling, Score Saver, and Cash for Christmas loans have separate terms, eligibility requirements, and restrictions. Cash for Christmas is a seasonal loan available only during the promotional period, typically beginning in October and continuing through November and December.
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