Personal Loan
Roll your higher interest debts into one with a low rate and flexible term that fits your budget.
Platinum Visa Credit Card
Transfer your debts to a Visa Platinum Credit Card for a fantastic rate and a break on interest! Our special introductory rate is just 1.9% APR* on purchases and balance transfers for the first six billing cycles, and after that the rate is 8.9% APR*!
Home Equity Loan and Home Equity Line of Credit (HELOC)
Put the equity in your home to work! A home equity loan provides a lump sum at a fixed, low rate with predictable monthly payments. A variable rate HELOC allows more versatility with your choice of a lump sum or draws whenever you need the funds. Either option can help you knock out other debts and save on interest.
Vehicle Title Loan Consolidation
Do you own a vehicle free and clear or are you are near the end of your loan term? You may have untapped positive equity! You can use your title as collateral or refinance your current loan to pay off existing higher interest debts.
CONSOLIDATION OPTIONS
| PERSONAL LOAN | PLATINUM VISA | HOME EQUITY LOAN | HELOC | VEHICLE TITLE LOAN | |
|---|---|---|---|---|---|
|
Loan Type |
Unsecured; Closed end |
Unsecured; Revolving |
Secured; Closed end |
Secured; Revolving |
Secured; Closed end |
|
Disbursement |
One time |
Recurring |
Recurring for limited time, then fixed |
Recurring |
One time |
|
Rates |
Fixed; higher than secured loans |
Fixed after low introductory rate; typically higher than secured loan |
Fixed; typically lower than unsecured loan |
Variable; typically lower than unsecured loan |
Fixed; typically lower than unsecured loan |
|
Fees |
None |
None |
Associated closing costs |
Associated closing costs |
Possible nominal fees from the Dept of Licensing |
|
Collateral Needed |
None |
None |
Home |
Home |
Vehicle/Title |
Personalized Debt Management Services
Dealing with high-interest debt and a consolidation loan isn’t the right fit? Our partners at GreenPath Financial Wellness offer personalized counseling services that could be the answer! They’ll create a customized financial plan with lower interest rates and monthly payments so you can pay off your debt faster.
GreenPath’s NFCC-certified counselors are available Monday-Thursday 5am-7pm PST, Friday 5am-4pm PST, and Saturday 6am-3pm PST. Calls are free, confidential, and no-obligation.
I was denied by other banking institutions. The biggest moment was when they finally gave me an account at Fibre Federal. I was like ‘whoa, people are trusting me again. This is awesome!’ Being able to enjoy life without that stress is what I value. My life is completely different now that I’ve got my finances together.
Why Choose Us?
We’re kind of like a family, only we’re a credit union
A lot of places say they treat you like family. At Fibre Federal Credit Union and TLC, we take it seriously. We’re the people you see at the grocery store and around town. We know you. We know your needs. We’re a part of your community and your family.
Better rates + low fees = happy members
When you become a member of the Fibre Family, you become an owner. We offer better rates and low fees to satisfy the people who matter most to us — people like you.
In person, virtual, or online
We love seeing you face-to-face. But if you prefer, you can give us a call, visit a virtual representative at one of our ITMs (Interactive Teller Machines), or bank online. It’s your choice, depending on how social you feel!
Your home is our home, so we like to keep it nice
We support our communities with programs, sponsorships and volunteer opportunities to make our community a better place to live.
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*Rate effective as of 5/1/17 and subject to change without notice. Subject to credit approval. The 1.9% Introductory APR (Annual Percentage Rate) on purchases and balance transfers applies for the first six billing cycles and does not apply to future purchases or cash advances. At the end of six billing cycles the APR will be 8.9%. Introductory rate may not be used to pay existing Fibre Federal loans or credit card debt. All 1.9% balance transfers will be classified as “purchases” under our Visa Card Agreement.
All Rates
| Maximum Terms | Maximum Financed | APR* |
|---|---|---|
|
1 to 12 Months |
$100,000 |
10.99% |
|
13 to 24 Months |
$100,000 |
11.49% |
|
25 to 48 Months |
$100,000 |
11.99% |
|
49 to 60 Months |
$100,000 |
12.49% |
|
1 Pay Note |
$100,000 |
13.99% |
Rates effective as of: December 15, 2024
*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
Learn More and Apply
| Maximum Terms | Maximum Financed | APR* |
|---|---|---|
|
12 to 60 Months |
$100,000 |
14.49% |
*Annual Percentage Rates effective December 15, 2024 and subject to change without notice.
Learn More and Apply
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