The holiday season is one of the most joyful — and expensive — times of the year. Between gift-giving, gatherings, winter utilities, and home upkeep, it’s easy for costs to pile up fast. For many families, this season also brings unexpected expenses: a furnace that needs attention, drafty windows letting in cold air, or repairs you’ve been putting off until “next month.”
At Rome Federal Credit Union, we understand how overwhelming this time of year can feel — and we’re here to help our members navigate it with confidence.
Home Improvements Don’t Take a Holiday
Winter weather in Central New York doesn’t wait until it’s convenient. As temperatures drop, homeowners often discover new repairs or long-delayed upgrades that suddenly become urgent — whether it’s fixing insulation, updating appliances, or improving heating efficiency.
These improvements not only keep your home comfortable throughout the winter, but also help reduce long-term utility costs. That’s why we offer a Home Improvement Loan designed to make these projects more affordable and accessible when you need them most.
How Our Home Improvement Loan Supports You During the Holidays
Our Home Improvement Loan is built with members in mind — offering a simple, affordable option to help you manage seasonal home costs without the stress.
Here’s how it can help:
✔ Take care of essential winter repairs
From doors and windows to heating systems, you can tackle the improvements that protect your home through the coldest months.
✔ Spread out your expenses
Instead of paying for everything at once during the busiest spending season, you can finance your home project with predictable monthly payments.
✔ Create a more comfortable holiday season
A warmer, safer, more energy-efficient home means a better experience for you, your family, and your winter guests.
✔ Reduce surprise costs
Holiday budgets are already stretched thin — this loan helps balance the load, so unexpected repairs don’t throw everything off track.
Why Choose Rome Federal Credit Union?
As a local credit union, we believe in supporting our members year-round — especially during the season of giving. Our team makes the loan process simple, transparent, and tailored to your needs, with competitive rates and personalized guidance from people who live right here in the community.
Enjoy the Season — We’ll Help You Take Care of the Rest
The holidays should be about togetherness, comfort, and peace of mind — not worrying about a costly repair or winter project. If a home improvement is on your holiday to-do list, Rome Federal Credit Union is here to help you make it happen.
To learn more or apply for our Home Improvement Loan, contact us or stop by today.
Let’s make your home — and your holiday season — warm, bright, and stress-free.
