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A girl shopping for Christmas on a blog about holiday savings

Holiday budgeting: It’s beginning to cost a lot like Christmas

‘Tis the season for holiday shopping, spending, and indulgence. If you haven’t established your holiday budget, there’s no time like the “present.” WRCU has your holiday finances in mind with options like Holiday Savings, Frosty Funds, Skip-A-Pay, and Holiday Loans.

Be sure to check out our valuable tips for holiday savings during Cyber Week – “yule” be glad you did!

Cyber Week: Good things come from online purchases

Cyber Week is an excellent opportunity to score some deals, with Black Friday, Small Business Saturday, and Cyber Monday among some of the most popular shopping days in America.

You can snag incredible, money-saving deals during Cyber Week from online retailers, offering an array of special promotions, discounts, and sales starting right after Thanksgiving dinner. You’ve likely heard of the big holiday shopping days like Black Friday, Small Business Saturday, and Cyber Monday. To recap:

Black Friday

Black Friday is a term for the Friday after Thanksgiving when many brick-and-mortar stores offer a variety of items at discounted prices.

Small Business Saturday

The Saturday after Thanksgiving is a joyful way to support small businesses and all they do for our communities. They particularly need support to combat the lingering effects of COVID-19 and the increasing impact of inflation. Shop local!

Cyber Monday

Online retailers usually offer special promotions, discounts, and sales on the Monday after Thanksgiving weekend. 

It’s not just online stores that offer significant savings. Traditional brick-and-mortar retailers also offer exclusive website-only deals. So, spend time comparison shopping so you’re getting the best deals available.

WRCU’s holiday treats: Frosty Funds, Skip-A-Pay, and holiday loans 

A limited budget doesn’t have to interfere with making this holiday season magical. If your holiday savings need a boost or you need extra cash during the holidays, White River Credit Union can help you create and manage your holiday budget with Frosty Funds, Skip-A-Pay, and holiday loans so you can have yourself a merry little Christmas!

Frosty Funds 

When your budget needs a little extra sparkle, White River Credit Union offers Frosty Funds for a limited time during the holidays. Current members can get up to $1,000 to help with expenses, so you can chill and enjoy the festivities. 

Come on by or give us a call at 360.825.4833 to find out more information.


If you need a little extra cash during the holiday – consider Skip-A-Pay. This program allows you to skip a loan payment in November or December* while keeping your WRCU membership in good standing. The request form to enroll is here

Holiday Loans

Our Holiday Loans are fast and convenient, perfect for those unexpected expenses this time of year. When you get a Holiday Loan, you control the amount you want to borrow. So, when you need a little extra, think of us. To learn more, apply online.

Holiday Savings: But wait—there’s myrrh

As the holidays approach, it’s essential to manage your finances and stay on top of your budget. WRCU’s Holiday Savings account add-on is the perfect opportunity to set aside spending money for the holidays.

This add-on is available exclusively for WRCU members who have a savings account. It’s a fantastic way to save money all year round, so you’re all set to enjoy a fun and affordable holiday season. Not only that, the add-on helps you avoid incurring credit card debt and keeps your savings intact. It’s never too late to get started. Take advantage of this unique program today and start a merry new tradition.

Get warm and cozy with WRCU 

And for all of your holiday budgeting, our financial experts are here to help. Visit our website to make an appointment, or call or text our team at (360) 825-4833 to learn more. 


*Certain loans may not qualify. Please consult with a Member Advisor for more details.


Photo by Sarah Pflug from Burst

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