One loan. One payment. A clearer path forward.
If you’re tired of juggling high interest credit card bills and loans, and watching interest add up, you’re not alone. Many people turn to credit cards during busy seasons, only to feel stuck paying more in interest than toward their actual balance.
A Personal Loan for debt consolidation gives you a practical way to take control. By rolling high-interest balances into a single loan with a lower rate, you can simplify your finances, reduce stress, and focus on paying down what you owe faster.
See how consolidation works, who it’s best for, and how Maui County FCU can help you move forward with confidence.
How Debt Consolidation Can Help
A Personal Loan to consolidation your debt enables you to combine multiple high-interest credit card or loan balances into one loan with a single monthly payment. This can help lower interest costs and give you a clearer payoff timeline.
Is Debt Consolidation Right for You?
This option may be a good fit if you:
Carry Multiple Balances
Managing multiple credit card and loan payments can feel overwhelming, especially when each has a different balance and due date. Consolidation brings everything together into one loan.
Are Tired of High Interest Rates
High credit card interest can make it hard to see progress. A personal consolidation loan may help reduce interest costs so more of your payment goes toward your balance..
Want One Predictable Monthly Payment
With one fixed payment and clear terms, you’ll know exactly what to expect each month, making it easier to budget and plan ahead.
Want to Take a Step Toward Financial Progress
Consolidation isn’t about starting over—it’s about taking a smart, realistic step to manage debt and move forward with confidence.
Our team can help you review your options and find a solution that works for you.
It's Easy to Get Started
If you’re already a Maui County FCU member, applying for a Personal Loan is quick and easy.
Just stop by any branch or apply online.
Not a member yet?
Membership is easy if you live or work on Maui. You can apply for membership and your loan online or schedule an appointment at your convenience.
Debt Consolidation Education & Resources:
Want to learn more about managing debit? These resources can help you learn more about the tools for better managing your debt:
*Annual Percentage Rate (APR) shown is for the lowest available rate for a 12 month term. Your APR may be higher and will depend on credit worthiness, product and term selected, and other factors. All loans require membership in the credit union, Hawaii residency, and underwriting approval. Valid as of 12/1/23. Rates, terms, and conditions are subject to change without notice. Refinancing of an existing Maui County Federal Credit Union loan is not eligible for this rate. Other restrictions and conditions apply. Inquire within for details. Payment example: Loan amount of $5,000.00 at 7.75% for 12 months would have a monthly principal and interest payment of $434.00.