Consolidate Your Debt

Pay off debt quickly with a great rate and one low monthly payment.

Home Equity Debt Consolidation Loan

Simplify Your Debt

A smart solution for consolidating debt: a Pheple FCU 5-year Home Equity Loan.

  • 4.99% APR* for first-lien loans

  • 5.99% APR* for second-lien loans

*APR = Annual Percentage Rate. Offer subject to change without notice. Application subject to approval; all loans subject to normal underwriting guidelines. Rates and terms based on amount borrowed and applicant’s creditworthiness. Additional rates and terms available. Estimated payment per $10,000 borrowed:  $188.67 at 4.99% APR for 5 years; $193.28 at 5.99% for 5 years; estimates exclude taxes and insurance. Property insurance required; flood insurance may be required. Pheple FCU is an Equal Housing Lender. NMLS# 401002. 

Credit Card Balance Transfer

Promotional Rate: 2.99% APR* for one year on all balance transfers**.

Take advantage of our zero balance transfer fee. Pay off higher-rate credit cards or consolidate your balances to make managing payments easier.

Already have a Pheple FCU Visa Credit Card?

Request A Balance Transfer Using One Of These Options:

*APR = Annual Percentage Rate. Loan proceeds must be used for debt consolidation. All loans subject to underwriting guidelines. Other rates and terms available. Offer may expire at any time. Equal Housing Lender, NMLS#401002. Visa Credit Card: Cardholders are subject to a foreign transaction fee for any transaction completed by any means with a person or business located outside of the U. S. including transactions effected while the cardholder is physically in the U. S. at the time of the transaction.

**Balance transfer 2.99%APR is a promotional rate for 12 billing cycles from balance transfer date. When the promotional period ends, any new or outstanding balances will revert to member's standard fixed rate, see Credit Card Disclosure for your rate.