Kathleen’s Story
Here’s how Sun East helped Kathleen consolidate her debt when she felt hopeless and out of options
“It was like the weight of the world was lifted from my shoulders. I could breathe.”
Kathleen came to Sun East during one of the hardest chapters of her life. Her husband lost his business due to COVID shutdowns, and the couple was juggling past-due medical bills, credit card debt, and overwhelming monthly payments that had climbed to $1,700. “Before I decided to join Sun East, I didn’t know where to turn,” Kathleen shared. “I felt like they cared about what I was going through.”
That care came from our Springfield Branch Manager, Ash Kassem, and our Consumer Lending Manager, Debbie Lanza, who walked side-by-side with Kathleen through every step of the process. Together, they helped her consolidate her high-interest debt, some of it at 30%, into a manageable Home Equity Line of Credit (HELOC) with an introductory rate of just 4.99%. “This is our philosophy at Sun East,” said Ash. “We just don’t do the normal, we go above and beyond.”
For Kathleen, the change was life-altering. Her monthly payments dropped from $1,700 to about $400. “They made it possible to have a payment plan that I could afford,” she explained. Debbie added, “It’s not just about the loan, it’s the life behind it. I know that members have dreams, and I believe Ash and I made Kathleen’s dream come true.”
Features & Benefits of a Sun East Home Equity Line of Credit
If you own your home, a HELOC can simplify debt, just as it did for Kathleen.
Low Introductory Rate
Take advantage of a 4.99% APR1 introductory fixed rate for the first 6 months. Transfer over high-interest balances and to decrease your monthly payment.
LTV up to 90%
Use up to 90% of your home’s value to get the money you need.
Flexible 20-Year Term
Spread repayment over up to 20 years for lower monthly payments and more breathing room in your budget.
Unlimited number of draws
Borrow what you need, when you need it, as often as you need.
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Flexible Solutions for Everyone
Not a homeowner? You still have options for consolidating debt.
Personal Loan
You can choose from a variety of loan amounts with competitive rates and terms to fit your budget and lifestyle. Select the term that works for you and take advantage of an additional .25% rate discount** with an automatic payment transfer from your Sun East checking account.
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Credit Card
Consider a credit card that comes with no annual fees, no balance transfer fees1, low introductory and go-to rates, plus a cap that can never go above 18% APY2 regardless of the market conditions.
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How Has Sun East Helped You? Share Your Story!
Disclaimers
** .25% discount for Automatic Payment Transfer from Sun East checking. If at any time, Automatic Payment Transfer is discontinued then rate discount will be discontinued.
1 Balance transfer fees waived on balance transfers
2 APR = Annual Percentage Rate. Introductory rate is 0% for 6 months; after which the APR will be variable, based on creditworthiness. Offer not valid on existing Sun East credit cards. Details on rates and fees available at www.suneast.org/disclosures. Membership and credit qualification required.
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