3 Simple Ways to Roll High-Interest Debt Into One Lower Payment

Whether you want to transfer balances, lock in a fixed payment, or use the equity you’ve built, we’ll help you find the right fit.

SIMPLIFY EVERYTHING WITH A DEBT CONSOLIDATION LOAN

One payment. One plan. Less stress.
  • Combine multiple debts into one convenient monthly payment
  • Competitive fixed rates and terms, so you know exactly what to expect
  • Helps you stay on track and pay debt down faster
  • No surprises, no revolving balances

It’s a solid option if you want structure, clarity, and a plan you can stick to.

Get Started Today

We’ll help you find a payment that fits your budget.

USE YOUR HOME’S EQUITY TO PAY OFF HIGH INTEREST DEBT

Put What You’ve Built to Work for You

If you own your home, you may have equity you can use to your advantage.

A HELOC gives you access to funds at a lower rate than most credit cards, so you can pay off high-interest debt and reduce what you’re paying each month.

  • Rates as low as 7.25% APR*
  • Borrow up to 70% of your home’s value
  • Use it to consolidate high-interest balances into one lower-rate option

KICK HIGH RATES TO THE CURB WITH OUR VISA PLATINUM

A Lower Rate That Actually Makes a Difference
  • Rates as low as 7.90% APR*
  • No balance transfer fee
  • No annual fee
  • No cash advance fee

NOT SURE WHERE TO START? WE’VE GOT YOU!

Call Us: (510) 343-8842   |   Email Us: lending@smw104fcu.org

*APR = Annual Percentage Rate. Some restrictions may apply. Rates are based upon approved credit. 

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