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Debt Consolidation

 

Simplify Your Monthly Payments

What is debt consolidation 1 ? Debt consolidation works when you combine multiple loans or credit card balances into one lower-rate payment.

When you consolidate payments, you get:
• One bill
• One due date
• One interest rate

Ways to Consolidate Monthly Payments

Home Equity Loans 2

Tap into your home's equity to combine multiple loan payments or balances into one easy monthly payment. It's a great option to pay off higher-interest: 

  • Credit cards
  • Student loans
  • Medical bills
  • And more

 Click here to meet our Home Loan Officers. 

LEARN ABOUT HELOCS

Credit Card 3

Combine your payments into a KTVAECU® Visa® Platinum Credit Card with:

  • NO annual fees
  • NO balance transfer fee
  • $1.00 cash advance fee

This option is for you if your current credit cards have a high interest rate. Our credit card rates are competitive, and every purchase earns uChoose Rewards® Points 4 ! 

APPLY FOR CREDIT CARD

Signature Loan 5

Signature Loans enable you to borrow what you need. Pay off the loan over a period of time or a set term limit. One loan, one payment, debt simplified.

A Signature Loan is an unsecured loan, so you don't need to have matching funds or physical collateral, like a car or title, as a qualification for the loan. Borrow what you need and consolidate your loans into one, simple monthly payment.

Apply Now

Money Moves by KTVAECU® 6
Talks Debt Consolidation

Join us as we talk with our loan expert to explain how debt consolidation loans actually work. This episode of our podcast offers clarity when your bills may feel overwhelming. Learn what debt to combine and how good money habits help you succeed. Plus, simplify your monthly bills into one payment with a lower-rate loan or credit card. 

Spotify  Apple Podcasts  KTVAECU YouTube

Frequently Asked Questions

Disclosures

1 Available to qualifying Members. Some restrictions may apply. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details.

2 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.

3 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. View credit card disclosure at tvacreditunion.com/credit-card-disclosure.

4 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.

5 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.

6 All rates and offerings subject to change. This content is intended to provide general information and shouldn't be considered legal, tax, or financial advice. Consult a tax or financial advisor for specific information on how certain laws apply to your situation. Ask for details.