A special credit card rate for the holidays.

Take advantage of a 1.99%APR* this holiday shopping season!


Use your DECU Visa® credit card on all holidays purchases and take advantage of our 1.99%APR*.


Shop at your favorite local and online retailers. Also, shop for everyday essentials such as groceries, gas, food delivery, and dining out.

* APR = Annual Percentage Rate. 1.99% Annual Percentage Rate is available on all qualifying purchases made from November 1 through December 31, 2022. Purchases must post to the account by December 31, 2022, to receive the 1.99% Annual Percentage Rate. The APR will revert to the standard rate at the June 2023 statement cycle. Non-qualifying purchases, balance transfers, and cash advances will be charged at your regular rate. Other terms and conditions may apply. For information on the promotional guidelines, please call (800) 338-6739.

The offer does not apply to all existing cardholders.  Eligible cardholders have received separate marketing materials.

Recommended Reading

5 Tips to Recover From a Holiday Spending Hangover

Since 2009, American consumer spending on holiday gifts and expenses has increased annually. In the early fall of 2021, despite fears of higher prices, empty shelves, and a continuing pandemic, Americans told researchers at the National Federation of Retailers that they planned to spend about $1,000 on gifts, food, and decorations over the holiday season, or […]

How to Save for the Holidays

The Holiday Industrial Shopping Complex Annual surveys of more than 1,000-holiday shoppers regularly show that, on average, holiday purchases add as much as $1,381 in debt to individual credit cards in the three months leading up to the arrival of the holiday. This is a sum that most people say they can’t possibly pay down […]

Holiday Spending and Savings

Do things just cost more? Last Christmas how much did you spend on gifts? Do you feel like matching that amount this year? Are we all just long-haul climbers walking up a forever mountain of pre-printed gift season price tags? What if we showed you that the amount you spend on Christmas gifts has an […]

This Christmas, Save Instead of Spend!

With snow falling earlier this year than I can ever remember, the feel of the season has given me a jump-start to my holiday shopping.  While Christmas gift exchanges can be rather expensive, there are plenty of ways to save money.  I’d like to share with you a few tips on how you can enjoy […]