When Christmas Sneaks Up on You

No matter how early the decorations hit the store aisles, Christmas still seems to arrive faster than expected. Between bills, busy schedules, and everyday expenses, it’s easy to reach November and realize your holiday budget didn’t quite happen.

At Ozark Federal Credit Union, we understand that even the best planners sometimes need a little help. That’s why we created the 12/12 Christmas Loan—a simple, affordable way to cover holiday expenses without turning to high-interest credit cards or draining your savings.

Make This Christmas Merrier with the 12/12 Loan

Our 12/12 Christmas Loan is designed to help members enjoy the holiday season without financial strain. Whether it’s gifts for the kids, a family dinner, or travel to see loved ones, this loan helps make the season special while keeping payments manageable.

Here’s how it works:

• Borrow $1,200 for 12 months at our current unsecured loan rate
• Affordable monthly payments that fit easily into your budget
• Fast, local decisions from people who understand your needs
  

With the 12/12 Christmas Loan, you can take care of the holidays now and pay it off gradually over the next year—without stress, without credit card surprises, and without missing out on the moments that matter most.

Next Year: Stay Ahead with a Christmas Club Account

Once the decorations are packed away and life returns to normal, it’s the perfect time to start preparing for next year’s holiday season. Our Christmas Club account makes saving simple, flexible, and automatic.

Here’s what makes it work:

• Start Anytime: No minimum deposit required—just start when you’re ready.
• Flexible Saving Options: Choose how much to deposit each month or set up automatic transfers so saving becomes effortless.
• Earn Interest: Your balance grows throughout the year, giving you more to spend when the holidays roll around.
• Stress-Free Payout: On or around October 15th, your entire balance is disbursed to you—right when holiday shopping begins.
  

With a Christmas Club account, you can enjoy the holidays knowing you’ve already planned ahead. It’s one of the easiest ways to make next year’s Christmas more joyful and less stressful.

Two Tools. One Goal. A Happier Holiday.

The truth is, Christmas doesn’t have to be overwhelming. Whether you’re catching up this year or planning ahead for the next, Ozark Federal Credit Union offers the right tools to help you manage your holiday finances with confidence.

This year:

• Make the most of the holidays with our 12/12 Christmas Loan
  

Next year:

• Start saving early with a Christmas Club account that works automatically for you
  

Because at Ozark Federal Credit Union, our goal is to help you celebrate the season—not stress over it.

Make Your Season Bright

🎄 Apply for your 12/12 Christmas Loan today and take control of your holiday budget.

Then, set yourself up for success next year by opening a Christmas Club account and letting your savings grow all year long.