Holiday Loan
As a valued member of South Texas Federal Credit Union, we appreciate your continued loyalty and are pleased to offer you our Holiday Loan!
The holidays are a time for giving, celebrating, and making memories. Whether you’re shopping for gifts, planning holiday gatherings, or preparing for seasonal expenses, our Holiday Loan can provide a little extra financial flexibility when you need it.
Enjoy a fast and easy application process and take advantage of this special financing opportunity available exclusively to South Texas Federal Credit Union members.
- No credit check
- Fast approval process
- No early payoff penalty
Contact us today to learn more and take advantage of this limited-time offer!
$35 application fee
- At least 1 year of steady employment (or in the same line of work), or a valid school contract
- Be a member with us for at least 6 months
- Keep your accounts in good standing
- Set up automatic loan payments (Auto-Pay) for easy, stress-free payments
- Have or open a Stars Checking Account
- Earn at least $1,250 in monthly income
- Provide 4 verifiable references
- Members must have at least one active relationship with the credit union by either:
- Receiving an active recurring direct deposit within the last 30 days, or
- Having at least five (5) debit card or electronic transactions posted within the last 60 days.
Your loan amount grows with your history in our Holiday Loan program:
- First-time applicants: Qualify for up to $1,500
- Returning members (1 prior Holiday Loan): Qualify for up to $1,800
- Loyal members (2 prior Holiday Loans): Qualify for up to $2,000
The more you borrow responsibly, the more you can qualify for next time!
$35 application fee
- 6+ months as a member
- 1 year employment (or same field) / school contract
- Accounts in good standing
- Auto-Pay required
- Stars Checking Account
- Minimum income: $1,250/month
- 4 references
- Active Member Relationship Required
- Direct Deposit received within the last 30 days, or
- 5 debit card or electronic transactions within the last 60 days
Quick & easy—apply today and get the funds you need this holiday season.
- New to Holiday Loans? Up to $1,500
- Had 1 before? Up to $1,800
- Had 2 before? Up to $2,000
Borrow smart today—unlock more next year!
*15% Annual Percentage Rate (APR) for all approved loan amounts. Maximum loan amounts are based on previous Holiday Loan history and applicable eligibility requirements. No credit check is required. All loans are subject to approval and credit union membership and lending requirements. Offer valid November 1, 2026, through January 31, 2027. Contact South Texas Federal Credit Union for complete details.
Membership eligibility with South Texas Federal Credit Union is required to participate in this loan program. Loan approval is subject to the member meeting all program requirements, including, but not limited to, account standing, income, employment or school verification, and any other eligibility criteria outlined by the credit union. Meeting the eligibility requirements does not guarantee loan approval. Additional terms and conditions may apply.
The Board of Directors, as required by law, reviewed and set the rates effective January 1, 2026. Risk based lending guidelines are followed as per federal regulation. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any South Texas Federal Credit Union office.
