Debt Consolidation

posted on Wednesday, May 19, 2021 in Announcements

Debt Consolidation

Consolidate and make one payment instead of juggling several payments AND pay less interest!

You have choices

You have choices.  Together, we can pay off debt faster.

Unsecured Personal Loan:

  • Rates as low as 7.99% APR*
  • Fixed rate loan with fixed monthly payments.


FLEX Home Equity Line of Credit:

  • 1.00% APR* - 6 Month Intro Rate
  • 3.25% APR** - Remainder of Term (based on WSJP + 0%)
  • Use your homes equity to consolidate your debt and typically enjoy a lower interest rate.


Apply online or schedule an appointment with us today!

 Schedule an Appointment

*Annual Percentage Rate (APR) is subject to change. Disclosed rate is for qualified borrowers with at least 6 months’ time at their job (retirement/disability count as job time). Rates and terms are dependent on credit qualifications. Must be 18 years or older. Other restrictions may apply. Subject to credit approval and program qualifications. Offer may expire at any time.

**Introductory rate offer is effective as of 5/17/2021 and subject to change at any time. Offer is available for new home equity lines of credit (HELOC) for owner-occupied, single-family residential properties. (Current loans must be from another financial institution to refinance.) After the initial 6 months, the APR will become variable. Currently the fully indexed rate after introductory period is 3.25% APR (WSJP + 0%) and is based on a minimum credit score of 740 and up to 90% Loan to Value (LTV). Other rates and terms apply based on the credit score and LTV. Maximum APR is 18%. The monthly payment will be 1.5% of the principal balance of the loan (applied to principal and interest, $100 minimum payment). The member has the option of choosing up to 2 fixed-rate lock requests at our disclosed rate for a period of 5, 10 or 15 years. Closing costs range from $0 (for new HELOC with $10,000 minimum initial advance) up to $720 (for existing HELOC or those with less than $10,000 initial advance) plus appraisal fees which may range from $495 to $650. This special offer requires a minimum draw of $500. Limited-time offer. Property insurance required. Subject to credit approval and qualifications. Consult a tax advisor regarding the deductibility of interest.