It's good to have options.

With living expenses steadily rising, it’s easy to find less money in your pocket, and you’re not alone. 1 in 3 Americans express difficulty in paying regular expenses according to the US Census Household Pulse Survey. Fortunately, you have options to help free up cash, save money, and breathe a little easier. Here are our two favorite options:

Option 1

Apply for a Home Equity Loan and free up cash from your home's value to pay towards your debt. This kind of loan is great for homeowners who want to tackle their debt head-on.

Fixed rate for the life of the loan

Fixed payment

Terms from 5 to 30 years

Minimum loan amount of $10,000

Option 2

Apply for a personal loan and consolidate your debt into one loan with a lower, fixed rate. Manageable monthly payments will help you gradually pay off your debt.

Fixed rate for the life of the loan

Fixed payment

Fixed term for up to 60 months

Financing available up to $50,000*

home equity savings infographic

Monthly payment for Home Equity Loan is calculated on a term of 60 fixed payments. Credit card payment is calculated based on a minimum monthly payment of Interest+1% of the balance. The interest is based on the national average credit card interest rate of 25%. This scenario is for demonstration purposes and may not represent exact figures.

Made your choice?

Start saving in just 3 steps.

Apply Online Icon

1. Apply

Easily apply below or at any of our experience center locations.

Electronically Sign Documents

2. Sign

Upon approval, you'll need to electronically sign documents to complete the process.

Save Money Consolidate Icon

3. Start Saving

Now you can feel at ease, knowing you are saving money with your new lower rate!

Need help deciding?

Speak with one of our representatives or read more about debt consolidation in the articles below.

Visit an Experience Center

Video Chat

5 Benefits of Consolidating Credit Card Debt to a Personal Loan

When Does Debt Consolidation make sense?

Home Equity Basics

*Subject to credit approval. Restrictions apply. See Credit Union or website for more details. *APR is Annual Percentage Rate. Maximum unsecured aggregate loan balances limited to no more than $50,000 per member. Statistics above sourced from 2024 U.S. Census Survey. Equal opportunity lender. Federally insured by NCUA.

Big Wallet Energy

Earn up to 6.10% APY.

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