Give Gifts That Don't Cost Money
Your time and effort show you care.
Don't buy—create!

The holidays are close at hand, and you're probably searching for a gift idea. If you only had a hint...and the money!

Guess what? Great gifts don't have to cost a lot. You can make gifts with style and flair—all it takes is a little time and creativity.

Think about the other person

For a minute, take your mind off the cost of a gift or what to get. Think about the person you want to give a gift to:

It's the thought that comes before the gift.
They're all different!

See each friend or relative in your mind, doing the things he or she usually does: collecting coins, riding a bike, playing soccer, drawing with colored pencils.

When you take your mind away from worrying about cost, you'll get ideas for things you can do or give that person that will really mean something special.

Here's how to give or do something that will come from your heart and fit your friend's personality...

next

What makes credit unions so great? Members like you.

Every dollar you invest in your credit union earns you money while other members borrow it.

When you're ready for a loan, other members' savings will be there to help you out at the lowest possible cost.

NCUA