Get out of debt quicker

Debt Consolidation Loans

Low rates. Flexible options. No early payoff fees.
Loans

Use a personal loan or your home's equity to consolidate your debt.

Credit Cards

Transfer your balance(s) and save on interest with our Platinum Mastercard.

Eliminate your debt, reduce your stress

If high-interest debt keeps you awake at night, consider consolidating your balances into a new GreenState Credit Union loan or credit card with a lower interest rate. You can choose from three options, and we're here to help you find the right fit.

Option #1: Personal Loan

A Personal Loan could be the perfect answer when you want to roll your debt into one new loan. Applying is a simple process, and you can find a term to fit your budget while locking some of the best rates you'll find. 

  • Great rates
  • Experienced local lenders
  • No early payoff fees
  • Flexible terms
  • PayBreak Debt Protection available1
Option #2: Platinum Mastercard

Apply for our Platinum Mastercard and get an introductory rate as low as 0% APR2 for six months and no balance transfer fees so you can pay down your debt quicker. After the introductory period, the non-variable rate ranges from 13.99%  to 20.99% APR 2 based on creditworthiness.

  • No annual fee
  • Non-variable rates among the lowest you'll find
  • Mobile Pay compatible with Apple Pay, Samsung Pay, and Google Pay
  • Accepted by millions of merchants worldwide
  • Credit lines begin at just $1,000
  • Carries a 25-day grace period
Option #3: Home Equity Loan

As you've paid down your mortgage and your home's value has increased, you can tap into that equity to pay off your debt. With a fixed term and no prepayment penalties, this is another great option.

  • Fixed terms of 5, 10, or 15 years3
  • Low rates and a low, fixed payment
  • Borrow up to 100% the available equity in your home4
  • No prepayment penalties
Play it safe with PayBreak Debt Protection1

Getting any loan can be a bit of a financial gamble because...life happens. PayBreak Debt Protection is a voluntary loan-payment protection product that helps you get relief from the burden of delinquency or default if a protected life event happens. Protected events include loss of life, disability or involuntary unemployment. 

Call (800) 397-3790 and ask about protecting your loans today.

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  1. Your purchase of PayBreak is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of PayBreak.

  2. APR is Annual Percentage Rate. All credit cards are subject to approval. See Rate & Fee Information for GreenState Credit Cards. Membership required with a $5 Share Savings deposit.

  3. Fixed Rate Home Equity: APR is Annual Percentage Rate. Fixed Rate Home Equity Loans - Home Equity Loans are fixed rate loans for fixed terms (5, 10, or 15 years). For example, 60 monthly payments of $19.44 per $1,000 borrowed at 6.24% APR. The payment example does not include taxes or insurance and the actual payment obligation may be greater. Use up to 95% of your equity. Rate is based on credit history and loan-to-value (LTV). Rate above assumes a LTV of 70% or less. Closing costs are $400 in Iowa; $400 in Wisconsin; $500 in Illinois; unless full appraisal needed. Homeowners insurance required. No prepayment penalties. Maximum loan amounts apply. All loans are subject to approval.

  4. 100% financing not available in all markets.