The holiday season brings plenty of joy, but it can also create financial pressure. With gift shopping, travel, and festive gatherings, expenses can add up quickly. The good news is that Self Reliance Financial Federal Credit Union offers a variety of tools and accounts designed to help you plan ahead, save for future holidays, and manage your spending in real time. Here’s how our credit union can support your holiday budgeting goals.

The holidays always seem to arrive faster than expected, and planning ahead can make a big difference. Setting aside money throughout the year helps reduce stress and keeps you from relying on credit when the season comes. Our savings products offer secure ways to grow your funds over time, helping you build a financial cushion for holiday shopping, travel, and celebrations so you’re prepared without stretching your budget.

Track Spending with Online and Mobile Banking

Holiday shopping can get hectic, but our digital banking tools make it easy to stay in control:

• Real-Time Account Monitoring: Check balances and transactions instantly.
• Custom Alerts: Receive notifications when withdrawals or deposits exceed your set limits.
• Online Bill Pay: Schedule payments in advance to stay on top of bills, including credit cards.
• Managing your credit card wisely helps you:
  • Avoid interest charges by paying your balance in full
  • Protect your credit score by keeping balances low
  • Stay financially healthy by making payments on time
• Secure Access: Log in confidently with multi‑factor authentication (MFA) and enhanced account protection features.
• Card Controls: Turn cards on/off, report them lost or stolen, and set travel alerts whether you’re at home or traveling abroad.

*Some services may only apply to legacy UKRFCU digital platforms during the transition period.

With these tools, you can shop confidently knowing your accounts are secure and your spending is on track.

Holiday budgeting doesn’t have to be overwhelming. By taking advantage of our savings options, you can plan ahead and build a financial cushion for future holiday expenses. And with our Online and Mobile Banking tools, you can easily track your spending, set customized alerts, and maintain secure account access throughout the busiest shopping season of the year.