Behind the Vault

Holidays are all about creating memories with those who matter most to you—but managing finances can sometimes add stress to an otherwise joyful time. At Family Trust, we've got your back when it comes to making life simpler. Our goal? To help you stress less and celebrate more this season.

Here’s a few tips to help you save for the Holidays:

Make a list (and a budget), check it twice.

• Prepare a list of everyone you need to buy a gift for. 
• Brainstorm gift options for each person
• Try your best to stick to a budget (don’t forget to include shipping costs!) 
• Use a mobile banking app to keep an eye on your accounts and track of your spending.

Shop around.

Although it’s tempting to buy the first gift you see, you could save money by checking the prices of competitors before you buy. Search the items online to find the retailer offering the lowest price. For in-store shopping, ask retailers if they have price-match policies to help you snag the best deal.

Set expectations.

Be honest about your budget constraints with family and friends. Spark a conversation about alternatives like a secret Santa gift exchange. Suggest setting spending limits for gifts and group activities.

Let us help with last-minute costs.

A holiday personal loan can help you get the extra money you need. We have rates as low as 8.74% APY and NO payments for the first 90 days with autopay. This offer is good now through the end of December. Ready to make this holiday season hassle-free? Apply now.

Save for next year’s shopping fund.

Get ahead with holiday savings for next year with our Christmas Club Savings. Personalize it with your very own savings goals, set up direct deposit, and another year of holiday fun is in the making. There's no minimum deposit required to open, and you’re free to make as many deposits as you want during the year. In early November, your Christmas Club Savings will deposit into your Checking account – it's that simple.

Give the Gift of $$$

Everyone can appreciate the gift of cash. All of our members have access to no-fee Visa Gift Cards now through the end of the year. Visit your local branch for more details.

Use these reminders for successful gift shopping. Don’t forget that this time is about being with loved ones and friends. We wish you a happy financially stress-free holiday!