Holiday Line of Credit

Get extra money for holiday shopping or unexpected expenses

Get $1,500 at 20.99% APR1 for 12 months.

Easy online application process

12-Month repayment term

View the 2026 qualifications to apply

Access flexible holiday financing with MECU Credit Union.

Apply for a Holiday Line of Credit
Get $1,500 at 20.99% APR1 for 12 months.

Applications accepted online from October 20 through December 11, 2026.

  • To get started, Apply Now and follow these steps:
    • Do NOT click on "Yes, I prefer a line of credit."
    • Select "HOLIDAY PROMO" as the “Purpose”
    • Enter $1,500 as the “Loan Amount”
    • Enter 12 as the “Term (months)”

Once approved, transfer your Holiday Line of Credit funds to your MECU Savings or Checking account using Online Banking, Mobile Banking, or Telephone Teller at 833-752-8313 any time from October 20 through December 31, 2026.

Already have a Holiday Line of Credit?
  • Renewal letters were mailed on October 16, 2026.
  • Members qualified for renewal do NOT need to re-apply for a new Holiday Line of Credit to access available funds2.
  • Funds are available October 20 through December 31, 2026.
  • Visit our Existing Holiday Line of Credit page for more details about how you qualify for renewal and accessing your available funds.

Ready for a happier holiday?

1 APR=Annual Percentage Rate. The estimated monthly payment on a $1,500 line of credit at 20.99% APR for 12 months is $140. Eligibility requirements to apply for a MECU Holiday Line of Credit: Must be a MECU member for a minimum of 12 months and currently in good standing with an existing direct deposit of net pay or allotment equal to or greater than the monthly Holiday Line of Credit payment for a minimum of three pay cycles; current on all MECU loan accounts; no MECU loan or deposit charge-offs; and no open bankruptcies. Requests are subject to credit review. 

Following receipt of your completed loan documentation, your line of credit account will be available within two (2) business days. Confirm account and funds availability in Online or Mobile Banking or by calling our 24/7 Telephone Teller system at 833-752-8313 (have your member number and Telephone Teller PIN available), then simply transfer the desired amount of available funds from your Holiday Line of Credit to your MECU Savings or Checking account any time through December 31, 2026. Register for OLB and download our mobile app to ensure you have the fastest and easiest access to your funds by visiting mecu.com/checking-savings/services/bank-anytime-anywhere.

2 Available funds will be calculated by taking your current credit limit minus any remaining balance due. Access to available Holiday Line of Credit funds will be available October 20 through December 31, 2026. Your qualification for this offer is subject to change based on the criteria above, and may be reviewed throughout the promotional period.

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