Spark Your Future

Vicinity News
October 20, 2025

Take a break without breaking the bank.

Whether you’re buying gifts, booking holiday travel, or paying for surprise expenses, this limited-time loan is here to help make your holidays manageable.

Winter Break Doesn’t Mean Going Broke

When school lets out, we step in.

Life’s expensive. That’s why we created the Spark Your Future Loan—with you in mind!

Any interruption to your income, whether expected or not, is hard to plan for. And what do you do when your budget comes up short? We were founded by teachers, educators, and school system employees, and we understand the challenges you face.

The Spark Your Future Loan is a fixed rate, holiday loan to help you fill the gap in income and make up the difference during the holiday season.

If you’re a teacher supplementing your income or a Vicinity Credit Union member who needs help with holiday spending, the Spark Your Future Loan is for you.

Ignite your tomorrow, starting today.

*Spark Your Future Loans carry a 20% Annual Percentage Rate (APR). Terms up to 12 months (52 weeks). Loans subject to credit approval. Must be a member of Vicinity Credit Union for a minimum of two (2) years to qualify. Additional restrictions may apply. See credit union for details. Federally insured by NCUA.

*Members must meet loan qualifying criteria. All auto loans are subject to credit approval. Borrowers whose auto loans meet qualifications can claim their $100 Gas Card once their first auto loan payment posts. Rates may vary depending on each individual’s creditworthiness, history and underwriting factors. Current Vicinity Credit Union auto loans are not eligible for incentive. Membership eligibility required. Vicinity Credit Union reserves the right to extend, alter, or cancel this promotion at any time without notice. Additional terms and conditions may apply. See credit union for details.

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