Got the post holiday bill-paying blues? See your credit union for help. We have several options to help you consolidate those bills and stay within your budget. Our VISA account offers a transfer balance option that allows you to pay those bills off at a low 7.99% APR until they are paid off. That’s right, you get to pay off all those 18 to 25% APR credit and charge cards at 7.99%APR. And that’s not for 90 days or a year. That rate remains in effect until the old balances are paid off. Plus, you get a credit card that charges only 7.99% APR to 9.50% APR on current charges, even cash advances! There are no fees for cash advances either. Repayment is still 2% of your unpaid balance.

Another option is loan special. We are offering a 24 month loan at a low rate of 6.99% APR*. This is an excellent option if your bills aren’t too high. A $5000.00 loan would run $223.81 a month for the 24 months, and could save you a lot of money if you’re paying the minimum balance on your charge cards.

If you need a longer term, consider a personal loan. You can borrow up to $15000.00 for up to 5 years. Rates for 5 years range from 12% APR to 16% APR*. Shorter terms have lower rates. To determine the option that is best for you, call the credit union and make an appointment with one of our loan officers. They will gladly explain the terms and conditions and help you make the right choice.

*Annual Percentage Rates are determined by the applicant’s credit score.