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(315) 445-2300
Routing #: 221380075
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  2. Debt Consolidation:

Loan Rates Starting As Low As 3.95%*

If you need more financial assistance than your tax refund can provide, we’re here to help explore your debt consolidation options!

Consolidate your debt and say goodbye to financial stress:

Home Equity Loan – Make the equity in your home work for you and enjoy one of the lowest-interest debt consolidation options.

Personal loan – A personal loan with us allows you to pay off your outstanding debts by combining them into one lower-interest loan.

Balance transfer – Move your high interest rate debt to a Northern Visa credit card featuring no balance transfer fees and 0% intro APR***.

Plus, for a limited time only you can earn $250 Cashback** at loan closure!

At Countryside, our team is always here to discuss your best financial next steps, to help get through tight times and set you up for long-term financial success and peace of mind.  Check out these financial tools to help get you on the path to financial fitness!

**Annual Percentage Rate. Rate shown is for a Home Equity Line of Credit and is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin based on the amount of the Credit Line, the borrower’s credit history, and the Loan to Value ratio (LTV). 3.95% APR is fixed for the first year, then adjusting to a variable Prime Interest Rate – .25% thereafter on borrowed amounts of $7,500.00 (minimum loan amount) to $100,000.00 (maximum loan amount) at A+ credit. Rate quoted is for 80% LTV. Alternate rates for LTVs of up to 100% of home’s value are available depending on credit. Rates determined by term, overall credit history, LTV, and type of property. Rate Cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%. *Between 4/1/24 – 7/30/24 members who have completed their application will receive a $250 deposit at loan closure. The value of your gift will be reported on Form 1099-INT and deposited into your account within 90 days of meeting requirements. Cannot be combined with any other offer.** The introductory rate of 0% APR applies to credit card balance transfers during the first 12 months after the account opening of a Platinum Rewards or Platinum Visa® credit card. The Secured Visa® credit card does not qualify for the introductory APR. After the introductory period, your APR for those transactions and any other balance transfer requests, if approved, would revert to the APR set for your specific credit card. The introductory rate does not apply to purchases made on the card. Card approval subject to underwriting guidelines. Rates accurate as of 4/1/2024. $5 membership fee required to start a new membership with the credit union. 1Carrier rates & fees may apply.
This Credit Union is Federally Insured by National Credit Union Administration. Equal Housing Opportunity.