OMNI Holiday Loan 2025

Some extra cash can come in handy during the holidays. That's why we're offering really cool rates on our Holiday Loan, available November 1 - December 31, 2025. To apply, select either a $1,000 or $2,000 or $3,000 loan. All loans are at a low 10.90% APR. Fill out the application completely. We'll process it quickly and, if approved, we'll deposit your funds into your account within 5 business days!

Loan Details

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Monthly Payment
$60.81
Finance Charge*
$94.54
Total Payments
$1,094.54
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Monthly Payment
$93.65
Finance Charge*
$247.34
Total Payments
$2,247.34
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Monthly Payment
$98.63
Finance Charge*
$550.55
Total Payments
$3,550.55

Identity Information

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{{getError('primary.middle_initial','This field is invalid')}}
{{getError('primary.last_name','Please enter your family name.')}}
{{getError('primary.ssn','Please enter a valid value.')}}
{{getError('primary.drivers_license.number','Enter Drivers License or ID Number')}}
{{getError('primary.drivers_license.state','Please enter a valid value.')}}
This field is invalid
{{getError('primary.birth_date','Select your birthdate.')}}

Contact Information

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{{getError('primary.phone.primary','Please enter a valid value.')}}
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{{getError('primary.email','Please enter a valid value.')}}
{{getError('primary.address.street','Please enter a valid value.')}}
{{getError('primary.address.city','Please enter a valid value.')}}
{{getError('primary.address.state','Please enter a valid value.')}}
{{getError('primary.address.zip','Please enter a valid value.')}}
{{getError('primary.occupancy_type','Please enter a valid value.')}}
$
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{{getError('primary.years_at_current_address','Please enter a valid value.')}}
{{getError('primary.previous_address.street','Please enter a valid value.')}}
{{getError('primary.previous_address.city','Please enter a valid value.')}}
{{getError('primary.previous_address.state','Please enter a valid value.')}}
{{getError('primary.previous_address.zip','Please enter a valid value.')}}

Employment Information

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{{getError('primary.employment.current.employer','Please enter a valid value.')}}
{{getError('primary.employment.current.position','Please enter a valid value.')}}
{{getError('primary.employment.current.address.city','This field is invalid')}}
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{{getError('primary.employment.current.start_date','Please enter a valid value.')}}
{{getError('primary.employment.previous.employer','Please enter a valid value.')}}
{{getError('primary.employment.previous.position','Please enter a valid value.')}}
{{getError('primary.employment.previous.start_date','Please enter a valid value.')}}
{{getError('primary.employment.previous.end_date','Please enter a valid value.')}}
$
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You do not need to include alimony, child support, or separate maintenance if you do not wish to have it relied upon for this application.
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Describe the nature of your monthly income (e.g. 2nd employer, rental income, pension, etc.).

References

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{{getError('primary.references.one.phone','Please enter the phone number of your first reference.')}}
{{getError('primary.references.two.name','Please enter the full name of your second reference.')}}
{{getError('primary.references.two.phone','Please enter the the phone number of your second reference.')}}

Additional Information

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{{getError('primary.has_judgement','Please enter a valid value.')}}
{{getError('primary.has_lawsuit','Please enter a valid value.')}}
{{getError('primary.has_past_foreclosure','Please enter a valid value.')}}
{{getError('primary.has_income_may_decline','Please enter a valid value.')}}
{{getError('primary.is_citizen','Please enter a valid value.')}}

Payment Source

Loan payments will come from this account number and suffix number / share id.

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Co-Applicant Identity Information

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{{getError('coapplicant.last_name','Please enter your family name.')}}
{{getError('coapplicant.ssn','Please enter a valid value.')}}
{{getError('coapplicant.drivers_license.number','Enter Drivers License or ID Number')}}
{{getError('coapplicant.drivers_license.state','Please enter a valid value.')}}
This field is invalid
{{getError('coapplicant.birth_date','Select your birthdate.')}}

Co-Applicant Contact Information

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{{getError('coapplicant.email','Please enter a valid value.')}}
{{getError('coapplicant.address.street','Please enter a valid value.')}}
{{getError('coapplicant.address.city','Please enter a valid value.')}}
{{getError('coapplicant.address.state','Please enter a valid value.')}}
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$
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{{getError('coapplicant.years_at_current_address','Please enter a valid value.')}}
{{getError('coapplicant.previous_address.street','Please enter a valid value.')}}
{{getError('coapplicant.previous_address.city','Please enter a valid value.')}}
{{getError('coapplicant.previous_address.state','Please enter a valid value.')}}
{{getError('coapplicant.previous_address.zip','Please enter a valid value.')}}

Co-Applicant Employment Information

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{{getError('coapplicant.employment_status','Please enter a valid value.')}}
{{getError('coapplicant.employment.current.employer','Please enter a valid value.')}}
{{getError('coapplicant.employment.current.position','Please enter a valid value.')}}
{{getError('coapplicant.employment.current.address.city','This field is invalid')}}
{{getError('coapplicant.employment.current.address.state','This field is invalid')}}
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{{getError('coapplicant.employment.current.hours_per_week','Please enter a valid value.')}}
{{getError('coapplicant.employment.current.start_date','Please enter a valid value.')}}
{{getError('coapplicant.employment.previous.employer','Please enter a valid value.')}}
{{getError('coapplicant.employment.previous.position','Please enter a valid value.')}}
{{getError('coapplicant.employment.previous.start_date','Please enter a valid value.')}}
{{getError('coapplicant.employment.previous.end_date','Please enter a valid value.')}}

Co-Applicant Additional Information

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{{getError('coapplicant.has_judgement','Please enter a valid value.')}}
{{getError('coapplicant.has_lawsuit','Please enter a valid value.')}}
{{getError('coapplicant.has_past_foreclosure','Please enter a valid value.')}}
{{getError('coapplicant.has_income_may_decline','Please enter a valid value.')}}
{{getError('coapplicant.is_citizen','Please enter a valid value.')}}
{{getError('agree_to_disclosures','Please enter a valid value.')}}

By checking the box above and submitting this request, all parties named are agreeing to the terms, conditions and disclosures associated with this request.

Disclosures

Credit Report Authorization: By submitting this request, you authorize the Credit Union to obtain credit reports in connection with this request for credit and for any update, increase, renewal, extension, or collection of the credit received and for other accounts, products, or services we may offer you or for which you may qualify. You understand that the Credit Union will rely on information in this request and your credit report to make its decision. When applicable, spousal information may be requested as a part of this request. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you.

Accuracy of Information: It is a crime to willfully and deliberately provide incomplete or incorrect information in this request.

You promise to pay the credit union the amount selected above plus interest on the unpaid balance at
the rate you have selected according to the schedule in the Truth-In-Lending Disclosure.

Notice to Co-Borrower: If you are signing this note as a co-borrower you agree to
be equally responsible with the borrower, and the credit union may collect the entire amount due
from you. The credit union does not have to notify you that this NOTE has been paid. The credit
union may delay enforcing any of their rights under this note without losing them.

Prepayment: You can prepay all or any part of this loan at any time without
penalty.

Late Charges: Fines for charges may be imposed for late payments on this loan up to
the maximum shown in the "Truth-In-Lending Disclosure."

Default: You are in default if you fail to make a payment by the scheduled due
date.

Acceleration: If you are in default, any part of this loan then unpaid is due and
payable without notice to you at the credit union's option. You agree to pay all usual and customary
costs of collection including reasonable attorney fees and all taxable court costs permitted by law.

No Waiver: The credit union can delay enforcing any of its rights any number of
times without losing its rights.
If payments on this loan are up to date, the borrower(s) can withdraw shares and/or deposits in
excess of $5. Your signature is your signature on the Note and Pledge of Savings. The borrower(s)
acknowledge receipt of this form prior to signing. Subject to credit approval.

*Annual Percentage Rate. Subject to credit approval. Payment estimates based on the first payment due date from the date of disbursement. Your final payment will vary depending on the date your loan is disbursed. Offer expires December 31, 2025. Limit one Holiday Loan per account. Loans disbursed November 1 through November 30, will have the first payment due on December 20, 2025 and monthly thereafter. Loans disbursed December 1 through December 31, will have the first payment due on January 20, 2026 and monthly thereafter. Payments will be automatically transferred each month from your Regular Savings Account unless otherwise specified.