At this time of year, thinking about your finances may take a back seat to finding that perfect gift. The Credit Union is here to help keep your finances on track while you enjoy the holiday season. Here’s how:
- Use an RTN VISA Credit Card. Store credit cards charge on average an annual percentage rate (APR) of 26%; compare that to an RTN VISA credit card that offer rates as low as 9.99% APR* for purchases and 9.74% APR** for cash advances. There are no hidden fees on any RTN credit card, and you’ll earn CURewards with RTN Platinum and Gold cards.
- Purchase an RTN VISA Gift Card. Gift cards make the perfect presents, and our gift cards are only $3.95 per card, a fee much lower than what most other vendors charge.
- Apply for an RTN Holiday Loan. An RTN Holiday Loan is another money-saving option. Our rates are as low as 8.99% APR*** while the national average on a personal loan ranges from 10% to 28%.
To help you plan for next year’s holiday shopping, an RTN Holiday Club account is a great way to start saving. With the convenience of payroll deduction, you won’t even notice that you’re putting money away on a regular basis. Saving money is the best present you can give yourself.
*Variable rate. The Purchase APR you receive is based on your credit score. Rate may change after consummation.
**Credit card cash advance rates for VISA cards starting with 4739, 4820 and 4756 are a variable APR based on the month-end prime lending rate as published in The Wall Street Journal plus 4.99%. Minimum loan payment is $50.00 per month. Transaction fees of $10.00 or 1% of balances whichever is greater on cash advances, balance transfers, convenience checks and ATM cash advances. Balance transfers are considered cash advances. Non-credit score based APR.
*** Annual percentage rate (APR) quoted is accurate as of November 25, 2019, reflects 1% discount for direct deposit of net pay, Social Security or retirement benefits coupled with automatic payment from an RTN FCU account. This offer is subject to change and replaces all previously quoted APRs. The APR you receive is based on your credit score. This offer is for a limited time and may be withdrawn or changed at any time without notice. Minimum monthly payment: $50. Loan example: 8.99% APR loan for 24 months has a monthly payment of $45.68 per $1,000 borrowed. Minimum loan $750, maximum is $2,500.
RTN is an Equal Opportunity Lender.