Smart ways to wrap up holiday debt.

If you had a merry time shopping over the holidays, your credit card balances may have gone up. MSGCU can help simplify payments and reduce interest costs with these debt consolidation options:

  • Home equity loan: With a fixed rate as low as 6.25% APR*, you’ll pay significantly less interest when you use your home's equity to consolidate high-rate debt from other financial institutions or credit cards with an MSGCU home equity loan. Learn more.
  • Visa balance transfer: You can transfer your credit card balances to a low-rate MSGCU Visa card and save. During our special promotion from January 6 – June 30, 2025, you’ll get a low rate of just 3.99% APR^ for the first 6 months on balance transfers to help you pay down debt faster. Plus, there are no balance transfer fees and all of our Visa cards are eligible. Learn more.

Want to prevent post-holiday debt? Consider opening a Holiday Club account to start saving now. Build your savings throughout the year, and on November 1 your balance will be available for holiday shopping. This account earns a higher dividend than a regular savings account and can help you avoid future credit card debt. Learn about our Holiday Club account.

*Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details. ^3.99% APR for 6 months on balance transfers only. Interest will begin accruing from the time of the transfer. No balance transfer fees. Members can make multiple transfers up to available credit limit. Standard APR applies beginning 6 months from date of the first balance transfer. Eligible on Titanium Visa Credit Card, Rewards Visa Credit Card, and Classic Visa Credit Card. Available to new and existing MSGCU cardholders. No minimum or maximum transfer amount is required. Transfer up to available credit limit. Offer valid 1/6/2025- 6/30/2025.

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