Simplify Your Payments

Debt Consolidation

Do you make multiple payments every month?
Simplify your monthly payments with debt consolidation!

What is debt consolidation?
Debt consolidation works when you combine multiple existing loans or credit card balances into one easy payment.

When you consolidate your loans, you get:
• One monthly payment
• One due date
• One interest rate

Ways to Consoldiate Monthly Payments:

Home Equity Loans ¹

Take advantage of your home’s value! Borrow using the equity in your home to consolidate your payments! Click here to meet our Loan Officers.

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Credit Card ²

Combine all your payments into a KTVAECU^® Visa^® Platinum Credit Card with NO annual fees, NO balance transfer fee, and a $1.00 cash advance fee! That means it’s not only easy to move a balance over but also convenient for your wallet!

This option is best when our competitive interest rate is lower than the interest rate on your current credit cards. Plus, our credit card earns uChoose Rewards^® Points 3 on every purchase!

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Signature Loan ⁴

Keep it simple with a signature loan! Signature Loans allow you to borrow all the money at once and pay it off over a predetermined period of time. They are unsecured personal loans, so you don’t have to have matching funds or physical collateral, like a car title. Signature Loans are flexible, so just borrow what you need and consolidate your loans into one simple payment each month.

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Disclosures

¹ APR = Annual Percentage Rate. Restrictions may apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details.

² APR = Annual Percentage Rate. Rate subject to change without notice and based on creditworthiness. Available to qualifying Members. Some restrictions may apply. Ask for details. See credit card disclosure.

³ Debit cards must be used as “CREDIT” to earn rewards. CREDIT transactions will not earn rewards when processed on a debit network; KTVAECU assumes no liability for transactions processed by the merchant on a debit network. The minimum uChoose Rewards points to redeem for business & consumer credit cards is 1,000 points; the minimum for consumer debit cards is 2,500 points. Not valid on KTVAECU business debit cards. Available to qualifying Members. Some restrictions may apply. Ask for details. uChoose Rewards is a registered trademark of Fiserv, Inc. Business debit cards do not qualify for uChoose Rewards points.

⁴ APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. Payment per $1,000.00 is for example purposes.