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Welcome To The Insighter!

Explore the latest happenings at Kirtland FCU and learn about important topics from around the financial world. Here’s your insight!
To learn about retirements, investments and financial planning, check out Invested now.

The Home Improvement Toolbox

04/28/2021
Annitte Lujan, Vice-President - Consumer Loans

It’s heating up, and that means it’s time for home and yard projects!

Creating a new (or improved) space takes some creativity, planning, and yes, a way to pay for it all! You have a lot of options for funding your next big home project.
 

CREDIT CARDS


A credit card is an obvious choice for quick purchases that you can make now, pay for later! Credit cards offer great flexibility, but make sure you factor in the interest rate before you fund a project with a credit card. Also, if you need to fund a large project, your credit card limit may not be enough.

Best For:
  • Smaller projects
  • Borrowing only what you need, when you need it
  • Paying interest only on what you need

Check out the Independence Visa Credit Card from Kirtland FCU. No annual fees, no balance transfer fees, and a low interest rate, cash back or rewards make this card a great option.
 

HOME EQUITY


As you pay down your mortgage, you gain equity—value you own that you can borrow against in the form of a home equity loan or line-of-credit. Home equity options are great for larger projects that require a higher amount than you can get with a credit card, and may come with a lower interest rate.

Best For:
  • Larger projects
  • Those who own their own home and have sufficient equity
  • Those who want the option of fixed payments (home equity loans) or revolving credit (home equity line-of-credit)

Learn more about the Kirtland FCU home equity options now!
 

HOME IMPROVEMENT SIGNATURE LOAN


A signature loan requires no collateral—you aren’t borrowing against your home or other property as you would with a cash-out refinance home loan or a home equity loan or line-of credit.

Now through July 31, 2021, you can get a Kirtland FCU signature loan up to $15,000 with a term up to 60 months and an extra 1.00% off the current rate when you borrow the funds for a home improvement project! With a rate as low as 7.99% APR*, all you have left to do is pick out the paint.

Apply for the home improvement signature loan now!

We've got you covered when it comes to financing your big (or little) home projects. Apply online now or give us a call to discuss the best option for you!
 
*APR = Annual Percentage Rate. 7.99% APR rate includes a 1.00% discount and is valid for a 36-month term with an excellent credit rating on loans for home improvement purposes. Actual rate varies based on loan term, credit worthiness, and other factors. 1.00% rate discount available for terms up to 60 months. Promotion ends July 31, 2021. See a representative for complete details.
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