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Debt Consolidation Options

Feeling overwhelmed by multiple payments, due dates, and high interest rates? You’re not alone—and we’re here to help. At CPM Federal Credit Union, we make it easy to Simplify Your Debt with options designed to help you feel more in control and less stressed about your finances.

Here are a few ways we can help you bring everything together.

Personal Loan

A personal loan can help you roll multiple debts into one easy monthly payment—often with a lower rate than credit cards.

Rates as low as 10.99% APR*.

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Balance Transfer

With no balance transfer fee**,
more of your money goes toward paying down what you owe—not extra charges. It’s a smart way to simplify and get back on track faster.

 

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Home Equity

For larger amounts of debt, a home equity loan can be a powerful tool. By consolidating higher-interest balances, you may lower your overall monthly payment and create a more manageable path forward.

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*APR- Annual Percentage Rate. Membership rules and restrictions apply. Subject to credit approval and other underwriting factors. Not all borrowers will qualify and qualified rate will vary. As Low As rate listed is our best rates based on approved credit; actual rate offered may be higher depending upon applicant's credit rating and other underwriting factors. For a $5,000 personal loan at 12.99% APR and a payment term of 36 months, your monthly payment will be $169.00 per month. Rates are subject to change and without notice.

**No balance transfer fee on qualifying Visa transfers: standard APRs apply and CPM balances are excluded. Once a Balance Transfer has been submitted, the transaction cannot be reversed. If a balance transfer was submitted as part of a new card application, please do not enter a duplicate request.

Federally Insured by NCUA. Equal Housing Lender.