Certified Federal Credit Union

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$mart Money Moves for 2026

The New Year is here and there is no better time to reset, refocus, and make $mart Money Moves that reflect your goals. We are offering three ways to make $mart Money Moves right now Balance Transfers, HELOC’s, and Debt Consolidation.

Balance Transfer*

Returning holiday gifts is easy – returning high-interest debt can be, too. Wrap your high-interest credit card balances into one low, simple payment and unwrap real savings with no interest payments for six months. The more you bundle into our 0% offer, the more you save.

A Smart Way to Kick Off 2026

      • Move pesky credit card debt into 0%
      • NO interest payments for 6 months = savings
      • Easy way to gain control of your finances

Make High-Interest Debt Your Next Return with 0% APR*

Call us today at 323.859.2250, Option [1], to get started!

HELOC**

A HELOC give you a flexible way to tap into your home’s value without refinancing your current mortgage. It offers financial flexibility to pay off high-interest debt, fund projects, handle life’s big expenses – or reduce post-holiday financial stress.

Smart Reasons to Consider a HELOC

      • Lower interest rates than credit cards
      • Flexible access to funds when you need them
      • Start the year strong with smarter borrowing

Certified Federal makes opening a HELOC simple, flexible, and affordable, with help from our in-house real estate team.

Apply Now

Debt Consolidation***

Turn high-interest debt into one simple monthly payment – and start putting money back where it belongs.

Don’t let holiday spending follow you into the new year. Consolidate your credit cards and personal loans into one simple payment to reduce stress and save over time. Start 2026 with confidence and a financial clarity.

Member Benefits:

      • Pay significantly less in interest by consolidating debt
      • Move high-rate balances to one manageable payment
      • No prepayment penalties or application fees
      • Build towards stronger credit/spending habit

Explore free financial education by clicking here. 

Apply Now
Disclosures
*APR=Annual percentage rate. Promotional 0.00% APR interest on qualifying balance transfers during period of 180 days from date of balance transfer. Balance transfer subject to cardholder line of credit availability during the promotion 1/1/26 – 3/31/26. There is a 3% fee for all balance transfers with a minimum of $5.00. Limited time offer and subject to change. Important Visa Disclosure information can be viewed by clicking here.
**APR = Annual Percentage Rate. All loans are subject to credit approval and subject to all Certified Federal Credit Union policies and procedures. Loan rates are based on credit history, collateral criteria, and term of loan, and are subject to change without notice.  Other restrictions may apply. 3.99% APR intro rate offer expires 3/31/26. Certified Federal Credit Union is an Equal Housing Lender. Federally insured by NCUA. Important HELOC Disclosure can be viewed by clicking here. NMLS# 403205
***APR=Annual Percentage Rate. Subject to credit approval. Certified Federal Credit Union has a managed-risk credit program and rates vary based on your individual FICO score. Advertised rate is based on premier fico score of 750+. Monthly payment is $108.33 or $21.70 per $1,000 financed at 10.90% apr for 60 months, whichever is greater. Rate and terms as of December 29, 2025; rates subject to change without notice.