Three Ways To Consolidate


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Use the value in your home to combine high-interest debt into one lower-rate payment.
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Quick, flexible loans to simplify multiple bills into one. Perfect for seasonal expenses, credit cards, or unexpected costs.
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Move your high-interest card balances to ECCU and save with 0% APR* for the first 12 months (variable rates apply after the intro period).








What Debt Consolidation Can Do for You

 

Debt consolidation can help you:

  • Clear up holiday expenses before they add up

  • Combine credit card debt into one manageable payment

  • Pay down student loans faster

  • Recover from summer spending

  • Free up your budget for what matters most

Try our Debt Consolidation Calculator and see how much you could save! 

Debt Consolidation Calculator

Debt Consolidation FAQ

 
What is debt consolidation? 
Debt consolidation means combining multiple debts into one single monthly payment, often at a lower interest rate. It helps simplify your finances, save money, and reduce stress.
Will debt consolidation hurt my credit?
Not if it’s used responsibly. In fact, consolidating debt can improve your credit over time by lowering your credit utilization and helping you make consistent, on-time payments.
What kinds of debt can I consolidate?
You can consolidate credit cards, student loans, medical bills, personal loans, and more. A Home Equity Loan can also cover larger expenses like home improvements or holiday spending.
Why should I consolidate before the holidays?

The holiday season often brings extra expenses. Consolidating now means you can:

  • Enjoy fewer bills and less stress
  • Free up cash for holiday shopping, travel, and family moments
  • Step into 2026 lighter and more financially confident
How do I know which option is right for me?

It depends on your situation:

  • Have a home with equity? → Home Equity Loan may give you the most savings.

  • Carrying high-interest credit card debt? → Balance Transfer with 0% APR may be best.

  • Need something fast and flexible? → Personal Loan is a simple solution.

How do I apply?

It’s easy! Just click “Apply Now” on the option that’s right for you.

  • Home Equity Loans → via our Home Loan application

  • Personal Loans & Balance Transfers → via our Loan application
    You can also visit a branch or call us for guidance.





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Start your journey to financial freedom today!
Apply now and start the year with simpler, stress-free finances.
 
 
 
  • APR = Annual Percentage Rate. 0% introductory APR valid for 12 months on balance transfers. Variable rates apply after the intro period ends. Terms and conditions apply. 
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