Making debt manageable
We get it. Sometimes debt can feel overwhelming. But taking control of debt and paying it down can improve your financial situation and boost your credit score for when you do need to borrow. Finding ways to lower your interest and combine debt into one manageable payment is a worthy goal. So tell us:
Your debt consolidation options
We've pulled together our best accounts and services to help you consolidate your debt. Explore your options below, and then let's talk.
Personal Loan
A flexible loan for any need.
- A smart loan option for expenses like medical bills, home repairs, education costs, debt consolidation and any other large purchase.
- Borrow up to $50,000
- Rates as low as 5.40% APR* with terms up to 5 years
- Fixed, low rates and payments
- No loan origination fees
- No prepayment penalties or finance charge refund for early payment
- Skip-A-Pay program available¹
- Free credit report and financial support services
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Pure Mastercard® Credit Card
The smart, easy way to pay.
- A great, basic credit card for making everyday purchases
- Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card
- No annual or balance transfer fees
- Rates as low as 6.20% APR*
Guide to Benefits
Terms & Conditions
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Home Equity Line of Credit
For home improvements, consolidating debt, or whatever you need.
- Borrow what you need, when you need it, against your approved loan amount
- No closing costs up to $250,0002
- Variable interest rate as low as 3.750%*
- Fixed rate option available
- Interest-only payments for the first 10 years, followed by 15-year repayment period
- No prepayment penalty or early closure fee
- No annual fee
- Lines up to $500,000
*APR = Annual percentage rate
NMLS # 506373, Equal Housing Opportunity
Personal Loan
A flexible loan for any need.
- A smart loan option for expenses like medical bills, home repairs, education costs, debt consolidation and any other large purchase.
- Borrow up to $50,000
- Rates as low as 5.40% APR* with terms up to 5 years
- Fixed, low rates and payments
- No loan origination fees
- No prepayment penalties or finance charge refund for early payment
- Skip-A-Pay program available¹
- Free credit report and financial support services
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Home Equity Line of Credit
For home improvements, consolidating debt, or whatever you need.
- Borrow what you need, when you need it, against your approved loan amount
- No closing costs up to $250,0002
- Variable interest rate as low as 3.750%*
- Fixed rate option available
- Interest-only payments for the first 10 years, followed by 15-year repayment period
- No prepayment penalty or early closure fee
- No annual fee
- Lines up to $500,000
*APR = Annual percentage rate
NMLS # 506373, Equal Housing Opportunity
Pure Mastercard® Credit Card
The smart, easy way to pay.
- A great, basic credit card for making everyday purchases
- Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card
- No annual or balance transfer fees
- Rates as low as 6.20% APR*
Guide to Benefits
Terms & Conditions
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Pure Mastercard® Credit Card
The smart, easy way to pay.
- A great, basic credit card for making everyday purchases
- Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card
- No annual or balance transfer fees
- Rates as low as 6.20% APR*
Guide to Benefits
Terms & Conditions
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Personal Loan
A flexible loan for any need.
- A smart loan option for expenses like medical bills, home repairs, education costs, debt consolidation and any other large purchase.
- Borrow up to $50,000
- Rates as low as 5.40% APR* with terms up to 5 years
- Fixed, low rates and payments
- No loan origination fees
- No prepayment penalties or finance charge refund for early payment
- Skip-A-Pay program available¹
- Free credit report and financial support services
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Home Equity Line of Credit
For home improvements, consolidating debt, or whatever you need.
- Borrow what you need, when you need it, against your approved loan amount
- No closing costs up to $250,0002
- Variable interest rate as low as 3.750%*
- Fixed rate option available
- Interest-only payments for the first 10 years, followed by 15-year repayment period
- No prepayment penalty or early closure fee
- No annual fee
- Lines up to $500,000
*APR = Annual percentage rate
NMLS # 506373, Equal Housing Opportunity
Personal Loan
A flexible loan for any need.
- A smart loan option for expenses like medical bills, home repairs, education costs, debt consolidation and any other large purchase.
- Borrow up to $50,000
- Rates as low as 5.40% APR* with terms up to 5 years
- Fixed, low rates and payments
- No loan origination fees
- No prepayment penalties or finance charge refund for early payment
- Skip-A-Pay program available¹
- Free credit report and financial support services
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Pure Mastercard® Credit Card
The smart, easy way to pay.
- A great, basic credit card for making everyday purchases
- Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card
- No annual or balance transfer fees
- Rates as low as 6.20% APR*
Guide to Benefits
Terms & Conditions
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Personal Loan
A flexible loan for any need.
- A smart loan option for expenses like medical bills, home repairs, education costs, debt consolidation and any other large purchase.
- Borrow up to $50,000
- Rates as low as 5.40% APR* with terms up to 5 years
- Fixed, low rates and payments
- No loan origination fees
- No prepayment penalties or finance charge refund for early payment
- Skip-A-Pay program available¹
- Free credit report and financial support services
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Personal Loan
A flexible loan for any need.
- A smart loan option for expenses like medical bills, home repairs, education costs, debt consolidation and any other large purchase.
- Borrow up to $50,000
- Rates as low as 5.40% APR* with terms up to 5 years
- Fixed, low rates and payments
- No loan origination fees
- No prepayment penalties or finance charge refund for early payment
- Skip-A-Pay program available¹
- Free credit report and financial support services
*APR = Annual percentage rate
You must be a member for at least 3 months.†
Pure Mastercard® Credit Card
The smart, easy way to pay.
- A great, basic credit card for making everyday purchases
- Smart, low-rate option for those who carry a balance, or looking to transfer from a high-interest card
- No annual or balance transfer fees
- Rates as low as 6.20% APR*
Guide to Benefits
Terms & Conditions
*APR = Annual percentage rate
You must be a member for at least 3 months.†
More ways to manage debt effectively
1A $25 fee will be added to the loan balance when Skip-A-Pay is used.
2The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over $250,000 and any escrow fees resulting from changes to title. Closing costs range from $0 to $2,500. Borrower may be required to pay a notary fee varying from $1 to $40 to execute the loan documents. No cost product uses Automated Value Model (AVM) to determine property value. Full Appraisals requested by the applicant will be at their expense. Read the HELOC Program Disclosure.
3This product is optional. Your purchase of Debt Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. Additional disclosures: We will give you additional information before you are required to pay for Debt Protection. This information will include a copy of the contract containing the terms and conditions of Debt Protection. Eligibility requirements, conditions and exclusions: There are eligibility requirements, conditions, and exclusions that could prevent you from receiving Debt Protection benefits. You should carefully read your Debt Protection contract for a full explanation of the terms and conditions of the Debt Protection program.
†Approval subject to Patelco membership, credit approval and other underwriting criteria; not every applicant will qualify.