FREEDOM AWAITS

Small Rates. Big Change. Get started with a Visa Balance Transfer or a Debt Consolidation Loan as low as 4.99% APR*!

Open a card to Initiate a Visa Balance TransferApply for a Debt Consolidation Loan

Lost in High Interest Debt? Simplify Your Life.

Take back control and turn your pile of bills into one manageable payment.

If you’re looking to pay off other balances quickly, consider opening one of Freedom’s Visa Credit Cards, and receive a 0% APR* for 15 Months on balance transfers and purchases made in the first 90 days (After the introductory period: 12.24% – 18.00%  for Platinum or 13.74% – 18.00% APR for Platinum Rewards) .1,2

If you need more time to pay down your debt, consider a debt consolidation loan, which for a limited time, is as low as 4.99% APR*.  With a fixed term up to 60 months, you’ll have just one low monthly payment, and you’ll know exactly when your debt will be paid off.3

 

  • Interest Savings

    Interest Savings

    Save significantly on monthly interest and pay off your debt faster

  • Simplified Payments

    Simplified Payments

    Consolidating payments can make debt easier to manage

  • More Control

    More Control

    Make a plan with Freedom and know exactly when your debt will be paid off

  • Help your credit score

    Help Your Credit Score

    As you pay down your debt, you can improve your credit score

Which Option is Best for Me?

  • What is the Annual Percentage Rate (APR)?

    What is the Annual Percentage Rate (APR)?

  • How fast can I pay down my debt?

    How fast can I pay down my debt?

  • How much can I expect to pay monthly?

    How much can I expect to pay monthly?

  • Can I consolidate multiple balances/loans?

    Can I consolidate multiple balances/loans?

  • What are the fees?

    What are the fees?

  • Do I need collateral?

    Do I need collateral?

  • Is this option eligible for Skip-A-Pay?

    Is this option eligible for Skip-A-Pay?

  • Is this option eligible for Debt Protection?

    Is this option eligible for Debt Protection?

Balance Transfers

  • What is the Annual Percentage Rate (APR)?

    0% Introductory Rate1

    (After that a variable rate of 12.24% – 18.00%  for Platinum or 13.74% - 18.00% APR for Platinum Rewards)

  • How fast can I pay down my debt?

    Pay off debt interest-free within the 15 month introductory period.2

  • How much can I expect to pay monthly?

    Minimum payment is 2.00% of your total new balance, or $30.00, whichever is greater.

  • Can I consolidate multiple balances/loans?

    Yes, transfer balances within the first 90 days to consolidate multiple balances onto your Freedom Visa at 0%.2

  • What are the fees?

    No Annual Fee
    3% Balance Transfer Fee2
    Cash Advance Fee if applicable2
    Foreign Transaction Fee if applicable2

  • Do I need collateral?

    No

  • Is this option eligible for Skip-A-Pay?

    No

  • Is this option eligible for Debt Protection?

    Yes

  • View Application and Solicitation Disclosure
    View Credit Card Agreement

Debt Consolidation Loans

  • What is the Annual Percentage Rate (APR)?

    As low as 4.99%3

  • How fast can I pay down my debt?

    Allows you to pay off debt over a longer period time (up to 60 months) with one low rate payment.

  • How much can I expect to pay monthly?

    Lower fixed monthly payment.

  • Can I consolidate multiple balances/loans?

    Yes, combine credit card and loan balances into one low rate payment. 

  • What are the fees?

    No fees - No application fee, no annual fee, and no prepayment penalty fee.

  • Do I need collateral?

    No

  • Is this option eligible for Skip-A-Pay?

    Yes- After 6 months

  • Is this option eligible for Debt Protection?

    Yes

Get Started

Open a card to Initiate a Visa Balance Transfer
Apply for a Debt Consolidation Loan

Still have questions?

Call us at 800-440-4120 or fill out the form below and a Freedom Representative will be in contact with you.

Debt Consolidations

Enter your contact information here to indicate your interest in our debt consolidation loan.

Apply Online Today

Disclosures

*APR (Annual Percentage Rate)

Rates effective November 13, 2024.

1 The 0% introductory rate will revert to the current standard rate as applicable after the 15 month promotional period. This is 12.24% – 18.00%  for Freedom’s Platinum VISA or 13.74% – 18.00% APR for Freedom’s Platinum Rewards VISA, based on individual credit worthiness. Rates are subject to change. Rate will vary with the market based on Prime. View Application and Solicitation Disclosure.  View Credit Card Agreement.  View External Loan Rate Sheet 11-13-24.

2 The 0% introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. A 3% balance transfer fee is applicable. This offer is available on the Platinum VISA and the Platinum Rewards VISA credit cards only. Any existing balances on Freedom Federal Credit Union credit card accounts are not eligible for the Introductory APR for balance transfers. Other fees may be incurred from using one of Freedom’s cards, including a cash advance fee, $10 or 2.00% of each cash advance, whichever is greater, and a Foreign Transaction Fee, 1.00% of each transaction in US Dollars.

3 Freedom’s 4.99% APR is available up to a 36 month term. This lowest consolidation loan rate requires automated payment from a Freedom FCU Savings or Checking account and eStatement enrollment, or the rate is 0.25% higher. Other rates and terms available. Offer may be withdrawn at any time. Payment example for a 36 month debt consolidation loan would consist of 36 monthly payments of $29.97 per $1,000.00 borrowed based off of the 4.99% APR. A loan amount of $10,000 would have an estimated monthly payment of $ 299.71.

Rates and loan amounts may vary depending on credit score, not all applicants will qualify for the lowest rate. Membership eligibility requirements apply.