Even Santa Needs a Little Help Sometimes
This loan program is only available from October 1st through December 31st each year.
Just like Santa, everyone can use a little help during the holidays. With all of the decorations, holiday gatherings, and shopping, it’s easy to lose track of your budget.
Our Santa Helper Loan can assist you with keeping your spending on target during the season of giving. You have the flexibility to choose loan terms which work best for you, along with a reasonable fixed interest rate*.
You can borrow from $500 to $1,000 and take up to 12 months to repay*.
This holiday season, we will donate $5.00 for every Santa Helper Loan originated, to support humane societies in North and South Carolina, including:
- Humane Society of Charlotte
- Greenville Humane Society
- Pawmetto Lifeline in Columbia
- Second Chance Pet Adoptions in Raleigh
- Charleston Animal Society
|Loan||Term||APR as low as*|
Provides Overdraft Protection for Your Checking Accounts
|Terms may vary||9.50%|
|Line of Credit||Terms may vary||9.50%|
|Santa Helper||Terms may vary||9.50%|
|Personal Loan||Terms may vary||9.50%|
|Lend A Hand Loan||Terms may vary||18.00%|
Carolinas Telco Federal Credit Union (CTFCU) Santa Helper loans are only available between October 1st and December 31st each year. For this program, the minimum loan amount is $500 and the maximum loan amount is $1,000. The maximum period for repayment is 12 months. All Terms and Conditions are subject to change without notice. The APR you receive may vary, based on certain individual credit worthiness criteria. Currently, our rates range from the rates shown up to 18.00% APR. For information regarding the rate you may qualify for, contact the credit union at 1-800-622-5305. All services such as loans, credit cards, and checking accounts are subject to approval. CTFCU reserves the right to end this program at any time, without prior notice.
All terms and conditions are subject to change without notice. For online loan requests, we'll contact you within one business day to complete all necessary loan paperwork and to discuss the method for disbursing your funds, if approved. For some loans, we offer the option to sign your loan documents electronically. You must be a current member of Carolinas Telco Federal Credit Union (CTFCU) to be eligible for a loan or credit card. If you have a current CTFCU Visa® Platinum Credit Card and want to switch to the CTFCU Visa® Platinum Low Rate Credit Card, select that credit card on the application. All services including loans, credit cards, and checking accounts are subject to approval. * APR = Annual Percentage Rate. The rates appearing here are accurate as of the effective date: January 17, 2020. All terms and conditions are subject to change without notice. The Annual Percentage Rate you receive may vary, based on certain individual creditworthiness criteria. Currently, our rates range from the rates shown, up to 18.00%. For information regarding the rate you may qualify for, contact the credit union at 1-800-622-5305. All services including loans, credit cards, and checking accounts are subject to approval.