As we move into the last month of the year, there’s a unique financial opportunity that residents of Sheboygan and Manitowoc can take advantage of: lower rates for refinancing. Recent rate cuts by the Federal Reserve make December the ideal month to explore refinancing options, potentially saving you money on your home loans and auto loans.

Holiday expenses can add up quickly, but UnitedOne Credit Union offers a better way to manage them. Our Holiday Loan provides a lower interest rate alternative to credit cards, helping you pay for holiday gifts, travel, or events without the burden of high-interest debt. With rates as low as 7.490% APR* for up to 12 months, you can borrow $1,000 with an affordable monthly payment of just $89.70. Plus, if you’ve already accumulated holiday debt, consolidating it into one low monthly payment with this loan can help you get back on track financially.

Lock in Lower Rates on Home Loans and Auto Loans

Thanks to recent rate cuts, refinancing your mortgage or vehicle loan can lead to substantial savings. A lower interest rate can reduce your monthly payments on both home loans and auto loans, freeing up funds for other financial priorities — whether it’s tackling holiday expenses or putting more towards savings.

Expert Help Right in Your Community

UnitedOne Credit Union specializes in serving the Manitowoc, Sheboygan, Kewaunee or Door counties, and we’re here to make the refinancing process as seamless as possible. Our team is familiar with local needs and can provide expert guidance, ensuring you make the most out of refinancing your home or vehicle loan with options tailored to your financial situation.

Increase Your Monthly Cash Flow for the New Year

A lower rate on your mortgage or auto loan can mean extra cash each month, giving you greater flexibility to meet your financial goals. Whether you're looking to pay down debt, save for future plans, or simply create a more comfortable financial cushion, refinancing could set you up for success as you head into 2025.

Consider Stability with Fixed Rates

If your current home or vehicle loan has a variable interest rate, refinancing to a fixed-rate loan may provide peace of mind and financial stability. This switch could protect you from future rate increases, making it easier to budget for long-term expenses.

Take Advantage of UnitedOne Credit Union’s Local Expertise

At UnitedOne, we know that each member’s financial situation is unique. That’s why we’re here to offer personalized advice on refinancing your home loan or vehicle loan. Our goal is to help you secure a lower rate and save more over time, with a process that’s simple and convenient.

Become a Member and Start Saving Today!

Ready to take advantage of these reduced rates? By becoming a UnitedOne Credit Union member, you gain access to competitive refinancing options, financial resources, and a team dedicated to helping you succeed. Contact us today to discuss your refinancing options, see how much you could save, and learn about all the benefits of membership at UnitedOne Credit Union.

Whether you're considering refinancing your home or auto loan, or surprising your loved ones for the Holidays, don’t wait—take advantage of these reduced rates while they last. Contact UnitedOne Credit Union today to discuss your refinancing options and see how much you could save!

*APR = Annual Percentage Rate. Your rate will vary based on your creditworthiness; rate stated is for borrowers with excellent credit. Stated rate includes minimum $100 new funds advanced, active UOCU checking account, net direct deposit, and automatic payments. Monthly payments per $1,000 borrowed include optional debt protection. Minimum loan is $100 and maximum term is 12 months. No other discounts apply and refinancing of existing UnitedOne loans not eligible. Other rates and terms available, please contact loans@UnitedOne.org for details. Normal credit standards apply. Offer subject to change at any time without notice.