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Credit Union New Year’s Promotions: NerdWallet’s Picks

Jan. 4, 2013
Personal Finance
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Remember that New Year’s resolution you made about getting your finances in order? This is the year that you actually do it! Your local credit union is waiting in the wings to help you out with great deals on loans, free financial literacy workshops, and even prizes. Getting financially fit has never been easier. Check out NerdWallet’s picks for New Year’s promotions at credit unions and start your year off right.

Auto Loan Special – Mission Federal Credit Union (San Diego, CA)

Was “buy a new car” or “refinance my car” one of your New Year’s resolutions? Mission Federal Credit Union can help you afford some new wheels with a low-rate auto loan. Need help finding the perfect car? Mission Federal Credit Union partners with Autoland, a car-buying service for credit union members. They’ll help you find the new or used car that meets your specifications, and right now they’re offering a special Autoland-only Auto Loan rate for those who qualify. Mission Federal Credit Union has more than 20 branches in San Diego and surrounding cities like Chula Vista, Encinitas, Escondido and La Mesa. Membership is open to anyone who lives, works or attends school in San Diego County. People with businesses or legal entities in San Diego County may also join.

SaveItUp Financial Wellness Program – FORUM Credit Union (Fishers, IN)

FORUM Credit Union’s annual SaveItUp Program is a fun way to achieve your financial goals. Stop by a branch for an official SaveItUp Playbook, which includes 20 activities to help you save money, reduce debt and educate yourself about personal finance. The SaveItUp Scorecard helps you keep track of your progress. You get one point for each step you complete. These points will enter you in to win one of three quarterly prizes, and one of three grand prizes! The 2013 season starts on January 14th  and lasts until November 30th . FORUM Credit Union has 12 branches in Fishers, Avon, Noblesville, Indianapolis and Carmel. People who live or work in a qualifying Indiana county or township and members of select employee groups are eligible to join. Please see FORUM’s website for more details.

Spending Financial Management Contest – Ent Federal Credit Union (Colorado Springs, CO)

Ent Federal Credit Union has a great solution for meeting your financial goals for 2013: Spending! Spending happens to be the name of their online financial management tool, which can help you create budgets and set savings goals. When you log on to Spending between January 1st and March 3rd to do either of these things, you’re automatically entered to win $100. Keep logging in to make updates and edits, and you’ll be entered for even more chances to win. Ent Federal Credit Union has 27 locations in and around Denver, Colorado Springs and Pueblo. Membership is open to anyone who lives, works, worships or attends school in Denver, El Paso, Pueblo and Teller counties, and other eligible areas. Membership is also open to all civilian and military personnel affiliated with Buckley Air Force Base, Peterson Air Force Base and Schriever Air Force Base. Please see Ent Federal Credit Union’s membership page for complete details.

Take the Pledge 2013 – Scott Credit Union (Edwardsville, IL)

“Take the Pledge” is Scott Credit Union’s free financial fitness program. It’s the perfect way to stay on track for the New Year. Register on their site or through Facebook to get yearlong access to member seminars (online and on-site), monthly financial tips and tools via email, and special access to financial advisors. You’ll also be entered in their grand prize drawing. The more you participate in Take the Pledge programs, the more chances you’ll have to win. See the program website for complete details. Scott Credit Union has branches in Edwardsville, Collinsville, Waterloo, Highland and surrounding cities. Membership is open to anyone who lives or works in select counties in Illinois and Missouri. You may also qualify for membership based on where you work. Please see their eligibilitypage for complete details.

Holiday Bill Balance Transfer Special – Houston Federal Credit Union (Sugar Land, TX)

A new year is celebrated as a time to start fresh, but it’s also a time to deal with last year’s holiday bills. Ugh. If you’re having trouble making your credit card payments, consider transferring your balance to a Houston Federal Credit Union Platinum Visa or MasterCard. For the New Year, they’re offering a low introductory APR for 6 months with no rate increases for late payments (although we always recommend that you pay your bills on time). We like credit union credit cards because they tend to have fairer fee structures. Houston Federal Credit Union has branches in Sugar Land, Houston and Rosenberg in Texas, and Greenville in South Carolina. Membership is open to people who live, work, worship or attend school in Houston or the surrounding area, and people who are affiliated with a member company. Please see their membership page for complete details.

Holiday Cash Loan Rebate – Deer Valley Credit Union (Phoenix, AZ)

Need a little extra cash? Consider refinancing your auto loan with Deer Valley Credit Union. You’ll lower your monthly loan payments and receive a 1% rebate, up to $500. Need exact numbers? Call for a free quote. Deer Valley Credit Union has branches in Phoenix, Anthem, Glendale and Surprise. Membership is open to anyone who lives, works or worships in any of 94 eligible zip codes in Central, North and Northwest Arizona. Please see their New Memberspage for a complete list.

Snowflake Scratch-Off Auto Special – Net Federal Credit Union (Scranton, PA)

Net Federal Credit Union is offering a unique twist on vehicle loan rate reduction through January, February and March. If you’re approved for a new, used or refinanced auto loan, you’ll receive a lotto-style scratch-off ticket, which gives you a chance to win 0.25%, 0.50% or 0.75% off your rate. As Net Federal’s site puts it, “all snowflakes are unique and all scratch-offs are different”. Net Federal Credit Union has branches in Scranton and Olyphant. Membership is open to anyone affiliated with a Select Employee Group. Click herefor a complete list of companies.

12-Year Mortgage Makeover – Pathways Financial Credit Union (Columbus, OH)

“Refinance my house” may not sound like a glamorous New Year’s resolution, but it might be the perfect way to achieve broader goals like savings money or specific goals like remodeling your kitchen. Pathways Financial Credit Union’s 12-year mortgage makeover can help you reduce your payments and take advantage of historically low rates, all with no closing costs. Talk to a loan officer for more details. Pathways Financial Credit Union has branches in Columbus, Delaware and Plain City. Membership is open to people who live, work, worship or attend school in Delaware, Franklin, Madison or Union counties. You may also qualify if you’re a member of a select employee group.

Home Equity Line of Credit Special – Hickam Federal Credit Union (Honolulu, HI)

If you’ve been thinking about a home equity line of credit, now’s a great time to get one. Hickam Federal Credit Union is offering special, introductory rates for the New Year. Home equity lines of credit are great for homeowners who need extra cash for unexpected expenses, home improvements or education expenses. Hickam Federal Credit Union has branches in Honolulu, Kapolei, Mililani and Aiea. Membership is open to anyone who lives, works, worships, attends school or owns a business in the City and County Honolulu (Island of Oahu).