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Federal Center Branch Update: Due to weather conditions, our Federal Center Branch in Georgia will be closed today.  All other Georgia Branches are open normal operating hours.
2017 Tax Statements are coming soon. Click here for more information.
Debt Consolidation

Debt Consolidation Promotion

Leave Your Old Debt Behind.

Ask yourself, will it help to reduce your debt burden in 2018? The IBMSECU loan experts want to help lower your payments and reduce your interest expense. Wouldn’t you like to pay less interest and have more affordable payments in the New Year?

IBMSECU’s low-rate loan options for consolidating your debt into one, low payment include:

Personal Loan: 

  • No application fee
  • Fixed-rate; affordable payments up to 60 months
  • No prepayment penalties
  • Borrow from $500 to $12,500

IBMSECU Visa® Credit Card:

  • Special Balance Transfer offer in the first 90 days – as low as 5.25% APR for the life of the transaction*
  • Credit limits up to $50,000
  • Variable rates as low as 10.15% APR*
  • No annual fee, application fee, cash advance fee or balance transfer fee

Lower your debt payments and reduce your interest today! Click here to apply online

Or contact us to apply at 800.873.5100, ext. 7701 or email us at


Balance transfers must be processed during the first 90 days of account opening and by Credit Union personnel to receive 5.25% APR for life of the transaction. Actual rates range from 5.25%–10.25% and depend on credit history, so your rate may differ. Online banking and overdraft transfers are processed as cash advance transactions and do not qualify. Balance Transfer proceeds may not be used to pay down or towards another IBMSECU loan or debt.

** APR = Annual Percentage Rate. Credit card “as low as” rates are variable and subject to change based on market conditions. Actual rates based on creditworthiness and other qualifications, so your rate may differ. Foreign credit card transactions are subject to a 2% fee per transaction. Offer valid January 1, 2018 to January 31, 2018. Home Equity Lines of Credit (HELOC), mortgage refinances and car loan refinances are also available for debt consolidation options. Other terms and conditions may apply, contact a Loan Advisor for details.


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