Gift Yourself the Gift of Financial Peace This Season with a Special Rate Offer

The holidays are a wonderful time—full of family, celebration, and a little extra magic. But they can also be a season of extra spending. At Options Credit Union, we want to help take the stress out of your holiday shopping so you can focus on what really matters.

That’s why we’re offering a special limited-time rate of just 1.99% APR for 9 months on qualifying retail purchases made by existing cardholders. It’s our way of helping you gift yourself financial peace this season.

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How the Holiday Special Rate Works

From November 28 through December 5, 2025, eligible cardholders will receive a 1.99% APR for 9 months on retail purchases made during this promotion period.

Benefits of the Special Rate

• Lower interest on your holiday shopping: This means you can spend more on what matters without worrying about high interest.

• More time to pay off seasonal expenses: Enjoy the flexibility of longer repayment terms.

• A lighter load on your budget: Start the new year with less financial stress.

  
  

Whether it’s gifts, travel, or festive experiences, this special rate is designed to give you flexibility and financial breathing room.

Why You Will Love It

• Easy to use: No activation required. Just shop during the promo window.

• Short-term savings: Enjoy a significantly reduced APR for 9 full months.

• Perfect timing: Use it for holiday gifts, seasonal expenses, or end-of-year necessities.

• Member-focused: As always, our promotions are designed to help you keep more money in your pocket.

  
  

Have Questions About the Special Rate?

Our team is happy to walk you through the offer and make sure you feel confident heading into the holiday season. Ask us how this special rate can work for you — but don’t wait, because this offer is only available for a limited time.

Important Details

Retail purchases completed between 11/28/25 and 12/5/25 will receive 1.99% APR for 9 months. After the promotional time frame expires, remaining balances will return to the standard APR applicable to your account. Contact us for complete details.

Enjoy the holidays with financial peace: Low interest rates of 1.99% APR for 9 months on purchases between November 28 and December 5, 2025. Ask about this special offer today!

Tips for Holiday Budgeting

Create a Holiday Spending Plan

Before you start shopping, sit down and outline your budget. List everyone you plan to buy for and set a spending limit for each person. This will help you stay on track and avoid overspending.

Prioritize Your Purchases

Decide which gifts are most important. Focus on those first. If your budget allows, you can add more later. This way, you won’t feel pressured to buy everything at once.

Look for Deals and Discounts

Take advantage of sales, coupons, and special promotions. This can help stretch your budget further. Remember, every little bit counts!

Consider Experiences Over Things

Sometimes the best gifts are experiences. Think about planning a family outing or a fun day together. These memories can be more valuable than physical gifts.

Stay Flexible

If you find that you’re going over budget, don’t panic. Adjust your spending plan as needed. The goal is to enjoy the season without financial stress.

Conclusion

The holidays should be a time of joy and connection. With our special rate of 1.99% APR for 9 months, you can shop with confidence. Let us help you make this season memorable without the burden of high-interest debt.

Remember, this offer is only available for a limited time. Reach out to us today to learn more about how we can support your holiday shopping needs!