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the ultimate solution to credit card debt

Pay off your high-rate credit and department store cards the smart and easy way. Move the balance to First Heritage at a low, fixed rate.
With a SimplyCredit line from FHFCU, you'll keep the good parts of your credit cards while eliminating the bad.
• No fees. No rate hikes. No penalties. 
• Earn credit card points/rewards without credit card rates and fees.
• Make one payment a month to cover all your cards.
• Simplify your life: Enjoy more time, more money and freedom from debt!
A SimplyCredit line is more than just debt consolidation, it's the smartest way to use your cards.
how it works
  1. Apply for a fixed-rate, low-rate line at simple interest.
  2. Add your credit cards and pay each off from your new credit line with FHFCU.
  3. Never pay a fee or penalty again as you become debt-free. 
Finally a real solution that genuinely helps you get out and stay out of debt!

Do you have credit card balances you're trying to work down? Are you wondering why your monthly payments aren't doing more to pay off your credit and department store cards? You're likely being overcharged!
Card companies use high rates, compounding interest and penalty fees to keep you in debt forever, while they make profits. A SimplyCredit line from First Heritage Federal Credit Union lets you keep your cards but consolidates and refinances your balances to a new low-rate line.
Keep your cards, earning points and rewards, while saving on interest charges, making meaningful payments, and enjoying First Heritage Federal Credit Union service.
Fix every card in your wallet with SimplyCredit!
Visit and begin saving today!

*Subject to approval. Other rates may apply.