Rates as low as 8.95% APR* Holiday Helper Loan. Don't let the season sneak up on you! * Annual Percentage Rate effective November 1 through December 31, 2025. Rate based on approved credit and credit union relationship. Holiday Helper Loan not available for refinancing existing MECU loans. Qualification for unsecured credit required. Payment example: A $10,000 loan over 60 months would have monthly payments of $20.73 per thousand borrowed.