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         November 2017

"The stockings were hung by the chimney with care, in hopes that Saint Nicholas soon would be there!"

We believe we are "Holiday Helpers"... with a personal loan or low-interest credit card.

A personal loan from First Central can help you meet any need and make any dream a reality. Perhaps you're budgeting the holidays, want to take a holiday vacation, or need to consolidate debt — First Central, your community credit union, has you covered.

We have solutions with low interest rates, fast processing, and convenient repayment terms. Plus, you can always rely on efficient, personalized service from people you trust.

Finance almost anything you want or need - A variety of loans to meet your specific needs - Competitive fixed and variable rates - Flexible terms and payments - Easy application process - No application fees or pre-payment penalties - Friendly, experienced loan advisors - Quick local decisions

3.9% APR* for 12 Months

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Perhaps you find yourself paying just the minimum monthly payment on a larger than you'd like credit card balance with a high interest rate. It can happen before you know it. Take action now by transferring your balance to a First Central VISA credit card. There is no annual fee. There is no balance transfer fee. Receive savings immediately when you make the move. Conveniently begin your application online

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9 Experiences to Give as Gifts
Avoid holiday shopping lines by giving the gift of experiences

With the holiday season approaching, you might already have started to purchase gifts for friends and family members. However, there are only so many material possessions a person can have. If you’re having trouble knowing what to get someone on your list, consider giving them an experience instead.

Dance lessons

This is an excellent choice for those about to be married or who are newly married. From salsa to swing, dance lessons are a great way to exercise while learning new skills. Per, some vouchers are based on one type of dancing while others provide a variety of dances. Other offerings are based on duration, such as a 2-hour private lesson with a dance instructor.

Food tour

Foodies who like to travel will appreciate a food tour voucher. Urban hubs like New Orleans, New York City and Chicago are just a few of the stellar cities you can select for one of these experiences. Whether it’s an out-of-town excursion or an in-town adventure, a food tour is a great way to please anyone who enjoys sampling new fare.

Language classes

According to, private or group language classes are perfect gifts for a person that is interested in other cultures. What better way to delight the literary enthusiast in your life than by giving them a solid foundation in a language that fascinates them? 

Distillery tour

For anyone that enjoys adult beverages, suggests gifting them a distillery tour. It’s a gift that’s sure to please the palette while enlightening the mind about the distilling process. Look for local offerings of brewery or distillery tours in the gift recipient’s area.

Wine and paint class

According to, a great present to please an artistic friend or family member is a wine and paint class. The gift recipient will enjoy a short lesson on painting while savoring delectable wines. Skill level does not matter, since this activity stresses the importance of fun—and el vino, of course.

Adrenaline trips

For the thrill-seeking person in your life, a voucher for skydiving or hang gliding would be rewarding gifts, per Other daring options include a race car driving lesson or bungee jumping session.

Travel excursions

One new offering of the popular housing rental platform Airbnb is “Experiences.” Per, this option offers available experiences such as a hiking adventure or a weekend drama festival for the person in your life that needs to refresh with a short getaway. 

Riverboat dinner cruise

If you’re friends with someone who has children, you probably know how hard it is for them to find time and funds for a date night. suggests purchasing a voucher for this person to go on a riverboat dinner cruise for two. Not only will they enjoy dinner, but they can enjoy scenic city views and photo ops while making fond memories that will outlast the night.

Cooking lessons

According to, cooking classes are an excellent way to try new flavors while building your skills in the kitchen. Depending on the type of voucher, recipients of this gift can enjoy cooking a full-course meal or master a particular type of cuisine such as sushi.

These are just nine possible experiences that you can bestow upon someone you love this holiday season.

Published by First Central Credit Union
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.  

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