Holiday Loans

  • Details

    Who doesn't need a little extra cash for the holidays? At Parks Heritage, we make accessing a little holiday cash quick and easy. Now receive up to $ 1,500 guaranteed** to use toward making your holiday season a little more festive. Simply apply online and fax a copy of your most recent pay stub to 518-926-4707. We will quickly review your application and get back to you with a decision. It's just that easy!

    Beginning in November:

    Parks Heritage offers Skip-a-Pay on loan payments during the holidays, giving you an ever bigger budget for the the holiday season.

    Terms of the offer: Skip-A-Payment requests are based on approval criteria established by the credit union. You must be a member in good standing, and all loan payments must be current to qualify. Offer is not valid if a loan extension was processed in the last 12 months. Acceptance of this offer will extend the term of the loan and interest will continue to accrue at the prevailing rate during the time the payment is skipped. The Skip-A-Payment promotion applies to consumer loans only and excludes; real estate, credit cards and lines of credit. The processing fee will not be applied toward the interest or principal due on the loan.

    *LOANS SECURED BY REAL ESTATE ARE NOT ELIGIBLE FOR THE SKIP-A-PAY PROGRAM

    *INTEREST CONTINUES TO ACCRUE DURING SKIP-A-PAY PROGRAM


    **Guaranteed Loan amounts will vary based on credit. For loan to be guaranteed, members must meet the following criteria:

    • 90+ Days of membership
    • Member in Good Standing
    • 90 Days of no late pays (beyond 10 day grace)
    • No loan modifications in the last 6 months
    • Proof of current employment
  • Rates

    Up to 12 Months
    As Low as:9.70%

    Terms & Conditions

    Loan rates are displayed as APR= Annual Percentage Rate and include a 0.25% discount for direct deposit/auto pay.

    A sample payment at 9.70% APR would be $87.77 per $1,000 borrowed based on a 12 month loan. All loans subject to approval. Rates, terms, and conditions are subject to change without notice. Your overall credit worthiness will determine the rate, term, and amount available to you. Fees and charges may apply.

    Interest will accrue from contract date.

  • Apply

ABA Routing Number: 221375695