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SimplyCredit for Credit Card Debt Consolidation

Pay off your high-rate credit and department store cards and move the balances to Community Resource FCU at a fixed rate at simple interest. SimplyCredit is more than just debt consolidation, it’s the smartest way to use your cards:

  • Fixed rates, starting at 5.99% APR*
  • Keep your cards, earning points and rewards.
  • Pay off your cards from your SimplyCredit line, making every card your low rate card.
  • Use SimplyCredit to manage your cards and maximize your savings.
Who is this for?

Members with favorite store cards (like airline/hotel/cash-back) who want to reap the rewards the card offers, but move those high-interest balances to a fixed, lower rate each month.

How it works:
  1. Members apply online for a fixed, low rate line of credit with rates as low as 5.99% APR.*
  2. Enroll all your credit cards and department store cards. Pay those from your new SimplyCredit line to avoid high interest rates.
  3. You control which cards to pay each month from your CRFCU line of credit, or you can set those to automatically move existing balances for your convenience. If you choose the automatic balance feature, you can make one payment to CRFCU each month and your SimplyCredit line makes all your other card payments!

How to apply:

Visit from a computer or mobile device.**


Sign up with code CRFCU.

Unbelievably Simple to Use

Manage all of your credit card payments in one place. With your SimplyCredit account, there are no fees, no penalties and no expirations. Consolidating your card balances was never so easy…or so smart.

*APR = Annual Percentage Rate. Subject to approval. Other rates may apply based on creditworthiness and collateral. **Uploading required documents can be done more easily using a device with a built-in camera. You can apply via computer and then switch to a smartphone or tablet and use your same username/password to complete the upload of documents.