Holiday Loans

*APR (Annual Percentage Rate) – 2 (two) options are available: Option 1 (one) – Loan amount up to $5,000 at 6.99% APR for up to 12 months with automatic transfer**. Sample term: $5,000 for 12 months at 6.99% is $432.58 per month. Option 2 (two) – Loan amount up to $5,000 at 5.99% APR for up to 12 months with automatic transfer** if the member also does the following: (a) deposit at least $250 into a new or existing Christmas Club account, and (b) set up an automatic transfer of at least $25 per month to that Christmas Club*** account. Sample term: $5,000 loan for 12 months at 5.99% is $430.29. ** Current Signature Loan rates will apply if automatic transfer is not elected. ***As of 10/27/23, a Christmas Club account earns .150% Annual Percentage Yield. Funds will automatically transfer to your Primary Share Account on November 1st each year. Funds withdrawn before November 1st will incur a $10 penalty per transaction. Promotion valid 11/1/23 to 12/31/23. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. For more information visit aodfcu.com or call 1-800-637-0299. Certain restrictions may apply. Federally Insured by the NCUA. Membership is required.