More than Santa’s beard grows during the holidays. Grow your holiday budget with a Jollyday Loan!
The holidays bring joy, family, and… extra expenses. Mint Valley FCU is here to help you cover the season’s surprises with a loan designed to keep your spirits (and your budget) merry and bright.
Loan Details
Borrow up to: $1,200
Rate: 12% APR*
(same for everyone, unless you’re A or A+ paper, in which case you may qualify for lower)
Term: 12 months
No stress, no fuss—just a simple way to make sure your holidays stay jolly.
👉 Apply today and unwrap your holiday cash with Mint Valley FCU!
🎅 Jolly Beard Contest
Think your beard rivals Santa’s? Prove it!
- Submit a photo of your beard for a chance to win $50.
- The beard that most resembles Santa’s will take home the prize.
- All beard photos are welcome, but only real beards are eligible for the $50 prize.
How to Enter:
- Upload your beard photo using our contest form.
- Share your entry with friends to spread the cheer!
- Winner announced December 15, 2025.
We know many members who rely on SNAP were impacted by a delay in their November benefit. If this applies to you and you’re looking for support during this time, our Holiday Loan is here to help — you can use it for groceries, household expenses, bills, or other unexpected needs.
- No purchase necessary. Contest open to legal residents 18 years or older.
- Contest runs from [start date] through [end date]. Entries must be received by 11:59 PM [end date].
- To enter, submit a photo of your beard via the official contest form. One entry per person.
- Only real beards are eligible to win the $50 prize. Artificial beards (including costumes, filters, or props) are welcome for fun submission but are not eligible for the prize.
- Winner will be selected by Mint Valley FCU judges based on resemblance to Santa’s beard. All decisions are final.
- Winner will be notified by phone/email and must claim prize within 14 days of notification. If unclaimed, an alternate winner may be selected.
- Prize is $50, awarded as cash or gift card. Prize is non-transferable.
- By entering, participants grant Mint Valley FCU the right to use their photo in promotional materials.
- Contest void where prohibited by law.
*APR = Annual Percentage Rate. 12% APR applies to all approved borrowers, except in cases where the applicant qualifies as A or A+ paper, in which case lower rates may apply. Maximum loan amount $1,200. Maximum loan term 12 months. Loan approval subject to membership eligibility and creditworthiness. Some restrictions may apply. Federally insured by NCUA. Equal Housing Lender.