The holiday season is full of joy… and sometimes a little overspending. If the credit card statements arriving this month feel overwhelming, you’re not alone.
The good news? You can take back control—starting today. At UHS Employees Federal Credit Union, we’re here with two smart, member-friendly options to help you lower interest, simplify payments, and start the new year on a stronger financial footing.
Option 1: Transfer Balances and Save Big
Still carrying balances on high-interest credit cards? Move them to a UHS EFCU credit card and get 0% APR* for 18 months on balance transfers. That gives you a full year and a half to focus on eliminating your debt—without new interest piling up.
Apply today: https://cuonlineuhs.org/loans/credit-cards/
Option 2: Simplify with a Personal Loan
Prefer steadiness and structure? A personal loan can help you consolidate holiday or store card debt into one predictable monthly payment. With rates as low as 9.00% APR* and terms up to 60 months, you’ll know exactly when you’ll be debt-free.
Why These Options Work
Holiday debt feels stressful because interest grows quickly. By lowering your rate or switching to a fixed-term plan, you can:
- Pay off debt faster
- Lower your monthly payments
- Stay organized with fewer bills to track
- Feel more confident about your financial path in 2026
It’s all about giving yourself room to breathe—and a clear plan to move forward.
A Team That Puts You First
At UHS Employees FCU, you’re more than an account number. Our local team is here to guide you, answer questions, and match you with solutions that fit your goals. No call centers. No one-size-fits-all offers. Just real people who want to help you start the year strong.
Let’s turn those post-holiday bills into a 2026 success story—together.
Tip: The sooner you act, the sooner you save.
Disclosures: *APR = Annual Percentage Rate. Rates may change after account is opened. Other terms and conditions may apply. See credit union for full details. Federally insured by NCUA.