Main office:  (315)785-2400  Hours: Mon – Fri 8:00am – 3:00pm.   Branch office: (315)785-2470 Hours: Mon – Fri 8:00am – 4:30pm

Christmas Loans Now Available

This holiday season, sprinkle some extra jingle into your festivities with a State CS Christmas Loan! Whether you’re decking the halls with gifts, planning a merry getaway or just spreading cheer; we’ve got you covered.

  • Borrow up to $3,000
  • Rates as low as 6.99% APR*
  • Up to 18-month term

With a Christmas Loan, you can make the holidays extra special without breaking the bank. When choosing an 18-month term, your monthly payments could be:

  • as low as $59 for a $1,000 loan
  • as low as $117 for a $2,000 loan
  • as low as $176 for a $3,000 loan

To apply online, select the Loan Type of “Personal Loan” and enter “Christmas Special” in the Purpose field. This offer ends 12/23/25.

Apply Online

*APR = Annual Percentage Rate. Subject to loan approval. Rate example includes 0.50% rate discount for an active State CS Checking account and automatic payments. Offer available December 1 through December 23, 2025. Maximum $3,000 loan amount per household. Payment example: $3,000 at 6.99% APR = 18 payments of $176.04