Roll your higher interest debts into one with a low rate and flexible term that fits your budget.
Feel like your monthly payments are stretching you too thin? Carrying a credit card balance is common, but it can sometimes make your budget feel tighter and harder to manage. If you’d like to lighten the load, we’re here to help. Our Visa Platinum Credit Card offers a 1.9% APR* introductory rate for six billing cycles on purchases and balance transfers, followed by a low 8.90% APR*. Let’s work together to save you more and take some of that pressure off.
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.
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.
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.
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 |
|---|
Debt Consolidation Resources
Real Words, Real People from the PNW
They are always friendly, fast, and always helpful with anything you need. I come here for all my banking needs and always leave feeling appreciated. This place is absolutely amazing.
Lisa W.
*Rate is 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 {{RATE}} . 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.
Financial Counseling
You have access to free, one-on-one financial counseling, and debt
counseling delivered by caring, certified experts. They’ll help you to
understand your situation, learn about options, and make a plan to meet
your goals.
Learn More
Debt Management Services
If you have high-interest credit card debt, a GreenPath debt management plan may help lower your interest rates so you can pay off debt faster.
Learn More
Housing Services
Take advantage of foreclosure prevention services, home buyer preparation assistance, and reverse mortgage counseling.
Learn More