Holiday Loan. The Gift of Less Stress.

This season, celebrate with peace of mind. The Holiday Loan helps you manage the extra expenses, so you can focus more on family, friends and all the other fun stuff.

Available for a limited time.

This loan is only available through January 15, 2021.

Patricia, an Affinity Plus member, on a green background
Patricia, Affinity Plus Member

What You Get

A Great Rate

With a low fixed rate starting at 4.99% APR1, you'll keep more money in your pocket.

Up to $2,500

Borrow up to $2,500 to help with holiday extras like gifts, family meals, travel and more.

10 Months to Pay

Take up to 10 months to pay your loan back – or do it sooner with no pre-payment penalty.

45 Day Grace Period

Don’t worry about making a payment for the first 45 days after funding.2


Not a member yet?

Membership is required for loans and accounts with us. But you can apply for them and become a member at the same time.

Already a member?

Apply for loans and open additional accounts in the mobile banking app, from the More screen. Or log in to online banking, then click “Apply” in the upper-right.

We're here to help.

From video calls and chat to secure messaging, there are all kinds of ways to contact us.

A Winning Savings Combo

Get a 1% rate discount on the Holiday Loan when you also open a WINcentive Savings3. Save more today, get a head start on savings for the next holiday season – and get chances to win cash prizes!

Asha, a Minnesota resident, on a purple background
Asha, Minnesota Resident


The Holiday Loan is a personal unsecured loan. Loans are subject to credit approval. Offers available based on borrower eligibility. New or existing Affinity Plus membership is required.

1. APR = Annual Percentage Rate. Rates effective 11/2/2020 and can change at any time without notice. The stated rate is the best available rate, and your actual rate may be different depending on your payment and credit history. Some restrictions may apply. The maximum annual percentage rate (APR) for this offer is 13.99%.

Payment Example: A loan for 10 months at 4.99% APR will result in an approximate monthly payment of $102.30 per $1,000 borrowed.

2. Interest will accrue during 45-day no-payment period.

3. Rate discount is available only to those who do not have a WINcentive Savings account with Affinity Plus prior to 11/2/2020. Please note that only one (1) WINcentive per person, per credit union is allowed. And business and trust memberships aren’t eligible for a WINcentive Savings.