Debt Consolidation Loans

  • Our debt consolidation loans can be unsecured, partially-secured or fully lien-secured as well as can be a second mortgage on a home.
  • The rate will depend on the type of collateral, if any is available.
  • We provide debt consolidation loans between $1,500 and $15,000.
  • Above $15,000 requires an A or A+ credit score (above 680).
  • Our maximum term is 60 months.

Generally, we will want to meet with any member applying for a debt consolidation loan to review all debts to be included in the loan. We offer one-on-one budget counseling and sometime require it prior to making a decision on a debt consolidation loan. We will often require that the borrower signs a "no new debt" agreement with us, to ensure that new indebtedness does not continue. Our goal is to help our members, reduce their debt and increase their savings!


Our Members make the difference.

Member Since 2007

Alina had a car loan with HSBC that was at 18.26% which we refinanced for her at the credit union at 8.25% after she made on time payments for one year.

"Basically what institutions like our CU does for 'underserved' people like me, is to put a little faith and trust in our financial life. And that is all we need in order to get out of our broken situation. Believing in the human ability to overcome any situation just by supporting them is enough.

We human beings have an extraordinary capacity or resilience to move on to the next level and then aim for a better future.

I am a true example of that ... A woman with such a bleak financial broken history and here there is a bank in a city where I never imagined myself living someday who put a little bit of that 'faith' in me. What a miracle!"

Alina Diaz


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