Personal Debt Consolidation

Let’s overcome debt together

Need help paying off your bills? A loan advisor at Stanford FCU can provide the guidance you need to get out of debt. We offer personal and debt consolidation loans to help you lower your monthly payments and pay off your bills more quickly, so you can get back to living your life debt free!

To set an appointment with a member of our team, click here: Set Appointment


  • Fixed-term Personal or Debt Consolidation Loans
  • Terms up to up to 60 months
  • Low monthly payments
  • NO balance transfer fees


Account Type Maximum Term Fixed Rates
as low as
Variable Rates
as low as
Annual Percentage Rate Daily Periodic Rate Annual Percentage Rate Daily Periodic Rate
Line of Credit Revolving N/A N/A 8.49% .024630%
Unsecured 60 Months 8.74% .024630% N/A N/A
Share Secured See Notes For Rate & Term Information
Certificate Secured See Notes For Rate & Term Information


No Hidden Fees

We don’t believe you should have to pay extra just to use basic banking services. We have the personal or debt consolidation loan that fits your lifestyle without any hidden fees, allowing you to do more and bank less.

Application Fee NONE
Early Payoff Fee NONE
Late Fee More than 10 days late, a late charge
will be assessed equal to 20% of the
interest due, but no less than $1.00.

See Fee Schedule


All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Management Account, Share Certificate or Individual Retirement Account.