If you are a homeowner with available equity who has an auto loan, high credit card balances or student debt, a Home Equity Line of Credit2 (HELOC) may be the ideal way to consolidate your bills into one easy low-rate monthly payment. We lend up to 90%² of your home’s value with no annual fee and no appraisal required.³ Act now and you can earn up to $1,000 cash back! truwest.org/heloc 3 If you are looking at 2016 with plans for a large purchase 17 With a new year ahead, it’s a great time to examine your debt. TruWest proudly offers consolidation options to help you stay ahead of interest and pay off your debt faster, at a lower interest rate! 1 If you are feeling the impact of holiday spending, consider consolidating debt at a lower rate to save money on interest. With no annual fee, rates as low as 6.20% to 20.20%, and a 0% introductory annual percentage rate for 18 months¹, this could be an outstanding way for you to transfer a high-rate balance to a lower-rate credit card. truwest.org/visa 2 like a wedding, travel or home improvements, we encourage you to apply for a personal loan with TruWest. From a revolving credit line to a one-time signature loan, we have options to suit you. truwest.org/personal-loans ¹On approved credit. Must be a TruWest member to qualify with a minimum deposit of $5. APR is Annual Percentage Rate. Offer good for 18 billing cycles from the date of account opening on purchases and balance transfers. After the introductory period ends, the standard purchase APR will be applied to any unpaid promotional balances. TruWest Credit Union reserves the right to refuse any balance transfer request(s). The minimum individual transfer request is $100. A 3% balance transfer fee applies for the amount of each transfer. If you submit concurrent balance transfer requests that exceed your available credit line, TruWest Credit Union will process your requests from highest to lowest dollar amount and may decline to process one or more requests. Offer effective as of 6/1/14 and subject to change. Lowest rate not available with reward-earning card. 2This is a revolving line of credit. First qualifying advance of at least $10,000 must occur by Dec. 31, 2016. Loan advance balance must remain outstanding for 90 days. This offer is subject to change without notice. Maximum cash back is $1,000. Cash will be deposited into a TruWest share account on day of qualifying advance, but will be withdrawn if loan advance balance does not remain for 90 days. Maximum loan to value for AZ HELOC is 90%, not available in TX. Purchase money HELOCs excluded from promotion. Junior liens only. ³No appraisal necessary for credit lines less than $100,000. Property valuation must meet TruWest requirements.
On The Money Winter 2016
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