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Nobody likes to pay high rates on holiday debt. SMCU has a way to lower the cost of your debt with a simple transfer to a fixed-rate personal loan. With rates as low as 6.99% APR*, now is the time to lower the cost of those holiday bills.

We’ll help you move your credit card balances over and we can set up automatic payment transfers, too. Isn’t the beginning of a new year all about managing things? We can help you.

This is a limited time offer, so apply now.

*APR=Annual Percentage Rate. Rates as low as 6.99% APR with maximum terms up to 60 months. Maximum loan amount up to $25,000. All loans subject to credit, income and debt verification and qualification.  Rate and term effective January 13, 2014.  Rate and terms are subject to change at any time. You are eligible for membership in SMCU if you live, work, worship or attending school in San Mateo County, the City of Palo Alto or certain areas of San Francisco. A one-time membership fee of $10 ($1 for age 17 and under) is due upon joining SMCU. SMCU is an Equal Opportunity Lender. Federally insured by the NCUA.