For many of us, the holidays are when we increase spending. That means now is a good time to think about ways to manage your debt and make the most of every dollar. If one of your New Year’s resolutions is to stay on top of your finances, here are a few options to consider:

Home Equity Loans & Lines of Credit – Using your home’s equity to consolidate debt can lower your interest rates, monthly payments and, help you pay off balances sooner. Take advantage of instant online loan decisions, flexible terms & options, and unbeatable step-by-step service.

Skip a Payment – When money is tight, this program can give you room to breathe. For only $25, you can skip* a qualifying loan payment. Plus, we’ll donate $5 to the America First Charitable Foundation to help those in need in our communities.

Credit Consolidation – Transfer your existing credit card balances and higher-interest debt to a low-rate America First Visa® card and enjoy all the benefits we offer—like cash back on every purchase, Card Guard® mobile security, exclusive deals & discounts, no balance-transfer fees, and more.

*All loans, accounts & payment skipping programs are subject to eligibility, terms, creditworthiness, conditions and change. Rates and terms may vary. The America First Credit Union Charitable Foundation is a Utah- based, non-profit corporation. See americafirst.com for additional information.