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Debt Consolidation

Do you make multiple payments every month?
Simplify your monthly payments with debt consolidation! 

What is debt consolidation? 
Debt consolidation works when you combine multiple existing loans or credit card balances into one easy payment.

When you consolidate your loans, you get:
One monthly payment
One due date
One interest rate

Ways to Consolidate Monthly Payments:

Home Equity Loans1

Take advantage of your home’s value! Borrow using the equity in your home to consolidate your payments! Click here to meet our Loan Officers. 


Credit Card2

Combine all your payments into a KTVAECU® Visa® Platinum Credit Card with NO annual fees, NO balance transfer fee, and a $1.00 cash advance fee! That means it’s not only easy to move a balance over but also convenient for your wallet!  

This option is best when our competitive interest rate is lower than the interest rate on your current credit cards. Plus, our credit card earns uChoose Rewards® Points3 on every purchase!

Signature Loan4

Keep it simple with a signature loan! Signature Loans allow you to borrow all the money at once and pay it off over a predetermined period of time. They are unsecured personal loans, so you don’t have to have matching funds or physical collateral, like a car title. Signature Loans are flexible, so just borrow what you need and consolidate your loans into one simple payment each month.

1. Restrictions may apply. Not a government-affiliated agency. All applications subject to underwriting guidelines and approval. Rates based on creditworthiness. Ask for details. 2. Available to qualifying Members. Some restrictions may apply. Ask for details. 3. Debit card must be used as “CREDIT” to earn rewards. CREDIT transactions will not earn rewards when processed on a debit network; KTVAECU assumes no liability for transactions processed by the merchant on a debit network. Not valid on KTVAECU business debit cards. Available to qualifying Members. Some restrictions may apply. Ask for details. uChoose Rewards is a registered trademark of Fiserv, Inc. 4. APR = Annual Percentage Rate. Some restrictions may apply. Published rates are the lowest rates available for each loan type. Your rate may vary, based on creditworthiness, amount financed, and loan terms. Ask for details. The APR may increase or decrease during the term of the loan based on changes in an interest rate index. The index is the 24-month certificate account rate paid by the CU on the last day of the previous calendar quarter plus a spread determined internally by the Credit Union. Any increase in APR will result in more payments. Rate subject to change. Rate can change after consummation. Payment per $1,000.00 is for example purposes.