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Use your HELOC to Consolidate Other Loans

stressed young pretty woman headache holding many credit card in hand and worried about bill in home office, plan money cost saving, shopping online, investment, business finance and expenses concept

Do You Have Credit Card Debt That You’d Like to Simplify? 

Debt consolidation is a powerful financial tool that can significantly help you organize your existing debt and streamline your repayment process in a more manageable way. By combining your various debts into a single loan, you can simplify your finances considerably, reduce the number of monthly payments you need to keep track of, and potentially saving money on interest rates, making it easier to achieve financial stability in the long run with a good consolidation loan.

Explore 4 effective debt consolidation options:

Credit Card Icon

Transfer high-rate department store and other credit card balances to a Sun East Platinum Rewards Mastercard®

  • No balance transfer fee2
  • Introductory 0% APR3
  • APR never higher than 18.00%
  • No annual fee
  • No penalty rate
  • Rewards for added perks
Apply for a Credit Card
Loans Icon

Reduce multiple installment loan payments by consolidating with a Personal Loan

  • Rates as low as 9.99% APR1 with Automatic Payment Transfer from Sun East Checking
  • Flexible loan amounts and terms from 12 to 72 months
Apply for a Personal Loan
HELOC Icon

Leverage the equity in your home and consolidate high-rate debt with a Home Equity Loan or Line of Credit

  1. Fees Waived up to $2404
  2. LTV up to 90%
  3. 5-20 Year Terms Available on
    Fixed Rate Home Equity Loans
  4. Special Intro Rate on Home Equity
    Lines of Credit
Apply for a HELOC
Refi Icon

Utilize a Cash-Out Mortgage Refinance to consolidate debt, make home improvements, or fund other large purchases

With Cash-out Mortgage Refinancing you get a brand-new loan to replace your old one while also withdrawing part of your home equity at closing. This home equity is paid out to you as cash in a lump sum. You can then use the money as you see fit.

Apply for a Mortgage Refi

Disclaimer

1APR = Annual Percentage Rate is based on credit worthiness as well as other factors including, but not limited to, term, amount requested and loan-to-value. APR effective 4/22/24 for a 12-35 month term and includes .25% discount for existing or new Sun East checking with automatic payment transfer, minimum loan amount $1,000.00, maximum amount $35,000.00. Rates and terms vary based on credit worthiness. Call for competitive rates on other terms. If at any time, automatic payment transfer is discontinued then rate discount will be discontinued.

2Balance transfer fee waived on balance transfers.

3APR = 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.

4$0 fees, with no prepayment penalties, is capped at $240.00 maximum cost. Other associated closing costs can vary based on municipality, county, or state of subject property, and will be the responsibility of the applicant(s).

Sun East Federal Credit Union provides its members with affordable home financing options in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act, and required state and federal guidelines. Sun East Federal Credit Union, NMLS#433893, is an equal opportunity lender. Limited time offer. All rates/terms subject to change without notice; other terms and conditions may apply. Call 877-5-SUNEAST x768 for details about a consolidation loan.

Third party linked websites are not under the control of Sun East Federal Credit Union. We are not responsible for their content. Third party website privacy and security policies may differ from ours. If you choose to engage in a transaction with a third party, please note that we do not represent either you or the third party in that transaction.

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