Lighthouse Credit Union

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Debt Consolidation Options

Debt Consolidation

Paying down and paying off debt can be difficult.
We have strategies and products to help.

Talk to a specialist
Rates

A plan for debt management ​

Debt relief is attainable, and we’re here to help. Our debt consolidation products are designed to ease the stress of managing multiple high-rate loans by consolidating the balances into single fixed-rate loan, leaving you with one manageable monthly payment.

Schedule an appointment to talk with a Debt Consolidation Specialist today.

  • Get one-on-one, personalized help and resources
  • Consolidate high-rate loans at one, low fixed rate
  • One loan and one monthly payment
  • Reduce what you pay in interest by paying down your balance faster
Talk to a specialist

Consolidate high-interest debt​

Some loans and credit cards carry high interest rates, which can make them difficult to pay down and pay off. Managing the monthly payments across numerous loans at different rates and terms is no easy task, either.

A consolidation loan rolls your outstanding loan and credit card balances into one, fixed-rate loan, leaving you with just one monthly payment. This can leave your fixed-rate loans paid in full and reduce the balance on credit cards or lines of credit to zero.

[Guidance]

We’re here to help. Schedule a time to connect with one of our Debt Consolidation Specialists. We’ll work to understand your current financial picture and goals to create a strategy to help you pay down your outstanding debt faster.

[Stress-free plan]

Managing monthly payments for numerous high-rate loans and credit cards can be difficult and stressful. Each loan likely carries its own terms and required monthly payment.

By consolidating your loans, you’re moving from managing multiple loans to making just one payment each month. A fixed rate and term means your monthly payment stays the same, often allowing you to pay down the balance faster.

Talk to a specialist

Loan Rates

Effective 12/08/2025

Loan TypeTermAPR As Low As1Description
Signature Loan (Personal)Up to 60-Months10.69%$75,000 Maximum
Certificate Secured Loan (Lighthouse CU)120-MonthsCertificate rate plus 3.00%Borrow up to 95% of certificate balance
Credit Builder LoanUp to 24-Months7.99%Minimum loan amount of $500; maximum loan amount of $2,000.

General Loan Disclosure

Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above.

Personal Signature Loan

  1. Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Rates and amounts financed are determined by your personal credit history, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval.
  2. The terms of repayment, which reflects the repayment obligations over the full term of the loan. A payment example is 60 monthly payments of $22.10 per $1,000.00 borrowed.
  3. Minimum term during repayment period is 12 months and maximum is 60 months.
  4. The personal signature loan APR* (Annual Percentage Rate) is based on credit score and risk-based pricing. The maximum APR is 18%. Please refer to our Personal Loan Rates for current rates.

Personal Signature Loan, Credit Builder, Certificate Secured Loan

  1. Rate is fixed and will not change during the repayment period.

Membership means more at Lighthouse

Being a credit union member supports community impact by helping fund local programs through reinvested earnings. 

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Affordable Housing

We’re helping more people find homes and essential shelter through partnerships with nonprofits and local government.

Volunteering

Our employees are given paid time off to volunteer for community programs of their choice.

Local Organizations

We partner with organizations that help to enrich and nourish the lives of our neighbors.

Food Access

We fund programs that help fight food insecurity across our communities.