- Connect
- Locations
-
Contact & Support
- Getting Started
- Help Center
- Online Travel Notification
- Mailing Addresses
- Online Banking Balance & Activity Alerts
- Making a payment with Bill Pay
- Bill Pay Reminders & Alerts
- Bill Pay eBill
- What is the $5 Membership?
- Security Alerts
- Secure Email
- Card Controls
- Principal Only Payments
- Accessing the Bill Pay Legacy Site
- Financial Tools
- Contact Us
- Online Chat Support
- Staff Directory
- Fraud Prevention
- For Employers
- ¡Bienvenidos!
- Creating Lasting Value
- Personal Accounts
- Business Accounts
- Account Management
- Loans
- Credit Cards
- Business Loans & Services
- Wealth Management
- Trust Services
- Insurance
- Locations
- Contact & Support
- Creating Lasting Value
Holiday Financing
-
Holiday Financing
This holiday shopping season, you will likely be offered credit options when you check out; everything from store credit cards to Buy Now Pay Later options. But be careful! While those financing options may look good today, many carry interest rates so high you will still be paying well into the 2024 holiday season!
Did you know department store credit card interest rates average over 30% APR 1?
GreenState has affordable financing options for the holiday shopping season with low rates, cash back, and even cash bonuses! Let us help improve your financial life without taking on excessive debt. Here are a few options to help you have a stress-free holiday season:
Option 1:
Rewards Mastercard (Great Rates + $50 Cash Back Offer)
Forget high interest rates with the GreenState Platinum Rewards Mastercard. You won’t get hit with Buy Now Pay Later fees, plus, with an intro rate as low as 0.0% APR* for six months, and non-variable rates as low as 14.99% APR2 you can’t miss!
You can even earn $50 cash back when you spend $500 in the first two months.3
Option 2:
Personal Loans as low as 9.99% APR4
Get what you want at a rate and term that makes sense for you. This loan is perfect for members looking to make larger holiday purchases and has the option of PayBreak protection, too!
Option 3:
Skip a Loan Payment
If you currently have a GreenState auto or personal loan, take advantage of our Skip a Payment program to keep more money in your pocket.
Option 4:
Home Equity Loan
The fourth option is a low-cost home equity loan; you tap into your own home’s equity at a rate and term that makes sense for your life. Plus, this loan has no pre-payment penalties so it really is meant to be your money on your terms.
1 - Source: bankrate.com retail store credit card survey. October 23, 2023
2 - APR is Annual Percentage Rate.
Rate & Fee Information for GreenState Credit Cards
3 - New Card Bonus - Make $500 in purchases within 2 months with a new GreenState Platinum Rewards Mastercard and you'll receive 5,000 bonus points. Bonus points are awarded to new Platinum Rewards cardholders on their first two monthly statements if purchase minimum is met.
4 - APR is Annual Percentage Rate. Rate is fixed (non-variable). Your rate will be between 9.99% APR and 14.24% APR based on creditworthiness for loan terms between 24-60 months. Personal loan example: 48 monthly payments of $25.36 per $1,000 borrowed at 9.99% APR. All loans are subject to approval.