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Debt Consolidation

The choice is yours... and so are the savings!

Three low FIXED rate options for debt consolidation.

If you’re like most people, holiday gift buying and seasonal expenses have left you with high credit card and department store charge card balances. You can save a bundle by transferring those balances to a low FIXED rate 1st Nor Cal Visa Credit Card, 1st Line Personal Loan, or 1st Nor Cal Home Equity Loan. Our rates on these products are low and fixed which makes them a super smart choice for consolidating your debt. Click below for more information and to apply.

Visa Credit Card. Transfer your high interest debt and save! No balance transfer/cash advance fee.** No annual fee. Fixed rates as low as 8.90% APR*
1st Line. Consolidate your debt with a low rate revolving line of credit up to $20,000. Fixed rates as low as 9.90% APR1.
Home Equity Loan. Consolidate your debt under a lower rate. Borrow up to 70% of your home's current equity. Fixed rates as low as 7.304% APR2.

*Annual Percentage Rates (APR) are subject to change without notice. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications. All loans subject to credit approval. Must be 18 or older to apply.

**No fee for Balance Transfer and Cash Advance transactions completed at any 1st Nor Cal Credit Union branch location. Fee for Cash Advance transactions that take place anywhere other than at a 1st Nor Cal Credit Union branch is $3.00 or 3.00% of the amount of each transfer or advance, whichever is greater (maximum fee: $50.00).

1: APR = Annual Percentage Rate. Loan amount and terms subject to approval; your rate may be different depending on loan amount, term, credit score and other factors. Your rate will be disclosed prior to funding. Daily periodic rate for 9.90% APR is .02712. Minimum payment on a 1st Line of credit with a limit up to $2,000.00 is $50.00 per month. Maximum limit is $20,000.00 with a minimum payment of $475.00. Rates are subject to change.

2: APR = Annual Percentage Rate. Your APR will vary based on your final loan amount and finance charges. Your actual payments are based on the interest rate, not the APR. The interest rates and Annual Percentage Rates (APRs) shown are subject to change without notice. All mortgage loans through 1st Nor Cal Credit Union are for primary residence homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans subject to credit approval. Other restrictions may apply. Loans available up to 70% of home’s current equity. Payment example: For a 10 year, $200,000 home equity loan with a fixed rate of 7.00% (7.304% APR), approximate payment amount is $2,322.17. The monthly payment includes principal and interest, as 1st Nor Cal CU does not offer impound accounts. NMLS #580488