Debt Consolidation
Three (3) options to help you pay off your debt in 2026
1. Mastercard Platinum Credit Card
7.50%APR*
- Same Rate for Cash Advances¹
- FREE Balance Transfers
- No Annual Fee
¹Cash advance fee – 3.00% of the amount of each cash advance. *Rate as low as- based on your creditworthiness & other factors. APR=Annual Percentage Rate. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
2. Personal Loan
10.00%APR*
- Flexibility Where it Counts
- A Practical Solution for Debt Consolidation
- Apply Online
*Rate as low as- based on your creditworthiness & other factors. APR=Annual Percentage Rate. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
3. Home Equity Line of Credit
7.00%APR*
- Variable Rate²
- Up to 100% of Appraisal Value³ minus existing mortgage equals available limit
²Rate may vary; maximum rate that may be imposed is 15.00%APR. Five year draw period with fifteen years repayment. $5,000 minimum advance at time of closing; must maintain a balance for three years or reimburse credit union for all fees (attorney, appraisal and filing fees, flood certificate); this could range from $600-$2,000. ³Based on your creditworthiness and other factors. *Rate as low as- based on your creditworthiness & other factors. APR=Annual Percentage Rate. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.
Member Referral
Current Member Referral Bonus
Refer your family, friends, or coworkers to join Buffalo Metropolitan Federal Credit Union.
– $10 for every new member you refer!
– Up to $50 per month!
Have your refered new member add your name on the application or have them provide it to the Credit Union Representative opening the account.
Share Certificate Special
3.00%APY*
– 9 Month Term
– $500.00 Minimum Deposit
*Share certificate special, including the stated Annual Percentage Yield (APY*) are a limited time offer. Buffalo Metropolitan Federal Credit Union reserves the right to modify or cancel these offers at any time without notice. The share certificate special requires a minimum deposit of $500.00. Upon maturity, the share certificate special will automatically renew for 12 months at the then current rate of our 12-month share certificate, unless otherwise specified. APY=Annual Percentage Yield. Early withdrawal penalties apply. Dividends paid at maturity. Membership eligibility required. rate as of 10/22/25.
