Members-Only One-Day Event!

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See below for Cottage Grove, MN version.

Download Ads: Ashland, KY branch | Cottage Grove branch edition

Lexington, Dublin Branches - Extended hours, gift card offer, and money machine not available.

Cottage Grove Branch - Gift card offer limited to first 20 branch visitors. Money Machine not available. Participants will receive a scratch-off ticket worth between $5 and $100.

Texas Roadhouse Gift Card available at Ashland, KY location only. Cottage Grove, MN visitors will receive a $10.00 Visa gift card instead. Limit one gift card per membership. Non members can join on day of event to receive gift card. Limited to first 50 member visitors in the Ashland branch, first 20 member visitors to the Cottage Grove branch.

1Auto Loans - APR- Annual Percentage Rate. As low as A.P.R. includes a 0.50% discount for loan payments made via an automatic payment plan. Rate also includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Est. payment at 2.24% APR for 36 months is $28.75 per $1,000 financed. Rate based on creditworthiness. Not all applicants will receive the advertised rate.

2Holiday Loans APR - Annual Percentage Rate. As low as APR includes a 0.50% discount for loan payments made via an automatic payment plan. Maximum term 12 months. Maximum amount financed is $2,000. Estimated payment at 3.99% APR for 12 months is $85.15 per $1,000 financed. Rate based on creditworthiness. Not all applicants will receive the advertised rate.

3VisaŽ ONE Credit Cards Offer applies to new Visa ONE Rewards cards. Purchases and balance transfers from other credit cards qualify for the introductory rate. Introductory APR is 1.90% for the first six months following the date the account is opened. Thereafter the then-prevailing APR will be applied to outstanding balances. APR is subject to change semi-annually with the market based on the Prime Rate and a margin based on your creditworthiness. As of November 7, 2017, the APR was between 8.74% and 18.74%. Minimum credit limit $500. To qualify for CURewards bonus offer, you must activate your card and make a single purchase before 12/31/2017.

Bonus of 6,700 points will be posted no later than January 5, 2018. Points may be redeemed online via the CURewards website. Rates and terms subject to change.

4Christmas/Checking Bundle APY - Annual Percentage Yield. Program runs from 11/1/2017 thru 10/31/2018 and is open to memberships with both an ACU checking account and an active Christmas Club account. Each signature-based or "credit" point of sale transaction made with your ACU debit card while both accounts are open qualifies for the deposit bonus. Deposit bonuses are credited at $0.25/transaction for the first 25 transactions made per month, $0.10/transaction thereafter. Christmas Clubs are considered active for this program if they have a balance over $1,000 or have recieved deposits totaling at least $30.00 made by the account owner during the quarter. Bonuses credited quarterly. Bonus obtained from money machine or scratch off card is credited to your participating Christmas Club account. Bonus scratch-off card (for participants who are unable to use money machine in Ashland, KY) will display a value between $5 and $100. Funds will be deposited directly to the Christmas Club account. Scratch off cards must be redeemed in person at the Cottage Grove branch office or returned to ACU in order to receive bonus.

5$500 Gift Card Drawing No purchase necessary. Visit for full contest rules & conditions.


Q: I'm not a member yet. Will there be opportunities to join ACU on 11/22 and still get a great deal?
A: Of Course! We want as many people coming through our doors, calling us on the phone, and completing applications online as we can get! However, you can save time by getting your membership started now and showing up on Nov 23 to turn in your applications for the deals.

Q: I plan to use my Holiday Loan to shop on Black Friday. What do I need to bring with me to make sure I'm approved?
A: All loans are still subject to approval, so we need two main things - a completed loan application and income verification. You will need to provide us with a recent pay statement so that we can verify you meet debt to income requirements. Consider whether you think a co-borrower might be necessary if your credit history is less than ideal and make sure to bring your coborrower's information as well.

Q: Will all branches be open and have all of these deals?
A: Ashland, KY and Cottage Grove, MN will open at 6:00 AM local time. The Dublin, OH and Lexington, KY branch offices will open at normal business hours. Texas Roadhouse gift cards and door prizes will be available at the Ashland location only. Visa gift cards will be available in Cottage Grove, MN. The money machine will only be available at the Ashland branch. Any other members who take advantage of our Christmas / Checking Bundle program on Black Wednesday will receive a scratch-off card worth between $5 and $100. We apologize that we can't include all of our locations in these extra deals.

Q: I can't get to a branch on 11/22 - what's available to me?
A: For our remote members, applications and sign-up forms received by phone or online during the six hour event still qualify for all listed rewards, including our $500 Visa Gift card drawing! Of course, gift cards, door prizes, and money machine options will only be available at select branches.