The St. Thomas Employee Federal Credit Union will be closed on Thursday, Dec. 26, and on university holidays: Dec. 24, 25, 31 and Jan. 1. Please plan ahead to avoid financial distress!

Santa Special loans still are available for a very limited time. Borrow up to $1,500 for one year at a "naughty or nice" rate. Your BEACON score on your credit report on the day of application determines your interest rate: the better your credit score, the lower your rate. Loan decision, as always, is based on credit history as well as debt-to-income ratio. The credit union is responsible to all of its members to lend prudently.

Loan applications are available in the rack outside the credit union office, Room 132, Christ Child Hall, or call (651) 962-6660 to have one sent to you.