Credit Unions for Debt Consolidation
A consolidation loan is new credit, not debt relief — it replaces several balances with one loan, and approval, rate, and total cost depend on individual underwriting. We list credit unions here, not banks or online lenders, because membership eligibility and NCUA insurance status are things we can actually confirm against an official source.
2 verified organizations in this category.
- Languages
- Not independently confirmed
- Cost
- Personal debt-consolidation loan; CountyLine unsecured credit up to $20,000 subject to conditions. Underwriting, rate, and exact cost require an individual quote.
- Format
- In-person, phone, and online application
Verification details · last checked August 19, 2026
Confirmed independently
- NCUA-insured status and NMLS ID 410320, both displayed on DCFCU's official site
- Membership is generally open to people who live, work, worship, attend school, or operate a business in Miami-Dade County and several listed counties — loan approval itself is a separate underwriting decision
- BBB: A+ rating, accredited
- No exact-name match found in the CFPB's Enforcement Actions index
Not independently verified
- Exact loan rates and fees, which require an individual quote
- Languages supported
- NMLS status was not independently re-verified beyond what DCFCU's own site displays — the NMLS public lookup required a CAPTCHA step this review could not complete
- BBB shows 7 complaints closed in the last 12 months and 25 in the last 36 months — recorded as what that index shows
Sources checked: DCFCU's official website · NCUA insurance and NMLS ID as displayed on the official site · Florida Office of Financial Regulation — financial-institution exemption records · CFPB Enforcement Actions index · CFPB Consumer Complaint Database — 24-month exact-name count · Better Business Bureau profile
Next review: February 19, 2027
- Languages
- Not independently confirmed
- Cost
- Personal loans, credit-card balance transfers, HELOCs, and auto-loan refinancing may be used for consolidation; exact rates and fees require direct confirmation.
- Format
- In-person branch access, phone, and online; exact lending-channel availability not confirmed
Verification details · last checked August 19, 2026
Confirmed independently
- NCUA-insured status and NMLS ID 410494, both displayed on PFCU's official site
- A member financial-hardship request option exists on PFCU's official site
- BBB: A+ rating (not accredited)
- No exact-name match found in the CFPB's Enforcement Actions index
Not independently verified
- Exact street address for Miami-Dade branches beyond the general Kendall and Florida City locations named on PFCU's site
- Languages supported
- Membership eligibility and individual loan or hardship criteria
- NMLS status was not independently re-verified beyond what PFCU's own site displays
- BBB profile shows 0 complaints without a stated time interval — recorded exactly as shown, not restated as a 12- or 36-month figure
Sources checked: PFCU's official website · NCUA insurance and NMLS ID as displayed on the official site · Florida Office of Financial Regulation — financial-institution exemption records · CFPB Enforcement Actions index · CFPB Consumer Complaint Database — 24-month exact-name count · Better Business Bureau profile
Next review: February 19, 2027
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