Consolidate Your Debt - AmeriCU Credit Union

Consolidate Your Debt

One payment. One rate. Lift the weight with AmeriCU.

Get financially fit in the new year – AmeriCU has several debt consolidation options to help you lift the weight of the holiday spending season! Take control of your expenses with one, monthly payment and a great, low rate.

Come talk to us – we’ll walk you through all your money-saving options!  Plus, all of AmeriCU’s debt consolidation products come with free, one-on-one financial counseling from a team of certified counselors who can keep you in financial shape the whole year through!

 

Pay down your debt faster with one of these options!

AmeriCU Visa® Credit Cards

AmeriCU Visa® Credit Cards

Consolidate your store cards or other bank credit cards into one, monthly payment with no balance transfer fees* and an interest rate that may be significantly lower than your other cards.

Click here to learn more about an AmeriCU Visa!

Apply for an AmeriCU Visa!

Unsecured Personal Loan

Unsecured Personal Loan

Take all your bills and combine them into one low, monthly payment when you choose a Personal Loan from AmeriCU, with flexible terms that allow you to pay off that loan over time.

Apply for a Personal Loan!

Home Equity Loans + Lines of Credit

Home Equity Loans + Lines of Credit

Did you know you could use the equity in your home to consolidate your debt? A fixed-rate Home Equity Loan or Home Equity Line of Credit (HELOC) is a great way to lower the rate on all your debt, giving you one payment you can afford.

Apply for a Home Equity Loan or Line of Credit.

*After the introductory period, the rate will be 6.24% APR to 17.99% APR for a Visa® Traditional Platinum or 7.24% APR to 17.99% APR for a Visa® Signature Rewards card.  APR =  Annual Percentage Rate. Rate and terms are accurate as of August 3, 2021 and are subject to change without notice. 1.99% Introductory APR is valid on purchases and balance transfers made on variable rate credit cards within the first 6 months of card opening. Offer is not valid on existing cards or balance transfers made from existing AmeriCU credit cards or loans. When introductory period expires, APR will revert back to the Standard APR. Standard APR may vary and is based on adding a margin to the Prime Rate. Standard APR will not exceed 17.99% APR. Rates are determined by creditworthiness and other factors at time of application. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July, and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater. Current rates available at  www.americu.org. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.