USF CU’s FlexPay: The Smartest Way to Shop Black Friday This Year

Black Friday is almost here, and DCU is making sure you get the deals you want without the stress thanks to our special buy now, pay later option: FlexPay!

FlexPay is a flexible, easy-to-use payment tool that helps you shop smarter, stay in control, and keep your holiday budget feeling good.

Why FlexPay Makes Black Friday So Much Easier

Instead of paying for everything upfront, FlexPay lets you split eligible debit card purchases into smaller, manageable payments. You get to grab the deals now and spread out the cost over time - all right inside Digital Banking.

How FlexPay Works

• Pay with your DCU debit card
• Open FlexPay in Digital Banking
• View eligible purchases
• Choose one to split
• Select your installment plan
• FlexPay handles the rest

It’s super simple, which is exactly how holiday shopping should be.

Perfect Timing for Black Friday

Now that you’ve got the hang of how FlexPay works, here comes the fun part: deciding what to shop for. Black Friday is packed with amazing deals, but when everything looks tempting, it can feel overwhelming. Having a few solid ideas ready makes the whole experience easier and way more enjoyable.

To help you get started, here are five top gift ideas that are trending this holiday season.

Top 5 Gifts Everyone’s Loving for 2025

1. Smart Wellness Tech
   Red-light therapy masks, smart rings, and advanced sleep trackers are topping wish lists.
2. Home Entertainment Upgrades
   Mini projectors, soundbars, and cozy movie-night bundles are perfect for homebodies, gamers, and movie fans.
3. Personalized + Sustainable Gifts
   Eco-friendly items, custom accessories, and monogrammed pieces add a thoughtful, modern touch to holiday giving.
4. Experience Gifts
   Cooking classes, spa days, subscriptions, or concert tickets offer memories instead of clutter.
5. Stylish Tech Accessories
   Noise-canceling earbuds, sleek smartwatches, portable chargers, or tech-friendly bags make practical yet exciting gifts.

A Quick Holiday Safety Reminder

Holiday deals bring out some of the best prices of the year… and unfortunately, scammers too. While you’re hunting for bargains, keep these quick tips in mind:

• Stick with retailers you know and trust
• Be careful with links in emails or social media ads
• Double-check website URLs before entering card info
• Avoid deals that seem “too good to be true” — they usually are
• Keep an eye on your DCU accounts and report anything that looks off

A few extra seconds of caution can save you a whole lot of headaches later.

Make This Black Friday Your Smoothest One Yet

With USF CU tools — and especially FlexPay — you can shop confidently, grab the deals you’ve been eyeing, and keep your budget steady. Black Friday doesn’t have to feel chaotic when you have the right tools in your corner.

Here’s to happy shopping, happy gifting, and a holiday season that already feels brighter.

Members may qualify for up to 3 active FlexPay plans at a time, not exceeding an aggregate total of $2,500. Repayment terms vary. Once a repayment plan is selected, it cannot be changed. No early payoff penalty. You’ll be charged a 17.90% APR (Annual Percentage Rate) for each FlexPay payment plan. A $5.00 late fee will be charged after a 10-day grace period. Programs, rates, terms, and conditions are subject to change without notice. Not all purchases will qualify. Joint account holders are not eligible. All offers are subject to approval. Other terms and conditions may apply.