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Debt Consolidation promo

Debt Consolidation Promotion

Hello new year. Goodbye old debt.

Ask yourself, do you need a fresh start in 2017 with a debt consolidation? The IBMSECU loan experts want to help you review the debt you’re carrying. We could consolidate your debt into one lower-rate loan to pay down that debt quicker and smarter. Wouldn’t you like to end up with less interest, more affordable payments and a fresh start to the New Year?

IBMSECU’s low-rate loan options for consolidating your debt into one, low payment include:

Personal Loan: 

  • No application fee
  • Fixed-rate; affordable payments up to 60 months
  • No prepayment penalties
  • Borrow from $500 to $12,500

IBMSECU Visa® Credit Card:

  • Special Balance Transfer offer in the first 90 days – as low as 4.90% APR for the life of the transaction*
  • Credit limits up to $50,000
  • Rates as low as 9.40% APR*
  • No annual fee, application fee, cash advance fee or balance transfer fee

Apply Today! Click here to apply online

Or contact us to apply at 800.873.5100, ext. 7701 or email us at

* Balance transfers processed during the first 90 days of account opening will receive a 4.90% APR for the life of the transaction and will accrue interest charges from the date posted. Minimum credit score of 660 required. For Members with a credit score below 660, balance transfers processed during the first 90 days of account opening will receive a rate of 9.90% APR for the life of the transaction. Balance transfer proceeds may not be used to pay down or towards another IBMSECU loan or debt. Balance transfer transactions must be processed by Credit Union personnel. Online Banking and Overdraft transfers are processed as cash advance transactions, therefore,
they do not qualify as a balance transfer.
** APR = Annual Percentage Rate. Offer valid January 1, 2017 – January 31, 2017. Promotional Visa® offer of 9.40% variable rate purchase APR = Prime of 3.75% + 5.65% margin. Prime Rate accurate as of 1/01/2017. 720+ credit score is required for the lowest rate. Not all borrowers will qualify for the lowest rate, actual loan rate based on borrower’(s) creditworthiness. Borrowers under the age of 21 may need a qualified co-borrower. All IBMSECU loans may be subject to certain conditions or qualifications, including income, identification and address verification and credit approval. Home Equity Lines Of Credit (HELOC), mortgage refinances and car loan refinances are also available for debt consolidation options. Visit our website at or contact a Loan Advisor for details on the rates, terms, fees and conditions that may apply.


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