Reverse Christmas Club Loan

1-Hour Loan Approval

Make sure everyone on your list gets a gift this year!

4.99% APR* – Up to $2,500 for 12 Months

Let us help you cover your holiday expenses. With our Reverse Christmas Club Loan, get up to $2,500 for 12 months at our limited-time rate of 4.99% APR.* Now, that’s a secret that must be shared!

Apply online or call 508-678-2851 option #2 for an in-branch appointment. Get fast access to cash with a1-hour approval.**

*APR – Annual Percentage Rate. The rate is based on approved credit and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. Offer good with direct payment from an SFCU account only. This offer may be withdrawn at any time and is good from 10/1/2025 thru 12/24/2025. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.

**One-hour loans approved during normal business hours.

Online Loan Application

To apply for a loan, click the link below and choose the Personal Loan category (please do not use Internet Explorer). Applicants must live, work, worship or attend school in Bristol County, Plymouth County & Barnstable County in Massachusetts; Bristol, Kent, Newport and Providence counties in Rhode Island; and the Rhode Island towns of Charlestown, Exeter, Hopkinton, Narragansett, New Shoreham, North Kingstown, Richmond and South Kingstown OR have a relative that does.