SeaComm Federal Credit Union OFFICIAL BLOG

3 Ways to Get Rid of Your Holiday Debt

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The holiday season may now be in the past, but your debt will haunt you well into the new year. Try these three options to help you stay afloat and manage your debt-load.


Transfer your balances. If your credit card balances are sitting on high-interest cards, the longer you wait to pay them off – the more interest you will accumulate! Consider transferring your balances to a SeaComm Visa Platinum. You’ll enjoy low everyday rates, no annual fees, and points earned with every purchase! Click here to learn more.


Apply for a consolidation. When you apply for a consolidation loan, you’re combining all of your outstanding balances into one convenient, monthly payment. This makes it easier to work out a realistic time frame to pay off your debt, without feeling overwhelmed. Give us a call at (800) 764-0566 to start an application…or stop by your nearest SeaComm branch location!


Set yourself up for success next year. Don’t rack up even more debt next holiday season…use your SeaComm Christmas Club account! This short-term savings account locks away your funds until October 1st – which gives you plenty of time to shop for the holidays. You can set up automatic transfers directly from your checking, which will allow you to “set it and forget it.” Just like a Regular Savings, a SeaComm Club account will allow you to earn dividends, which are calculated on your average daily balance. These will be paid out to you on a monthly basis! Click here to learn more.


SeaComm recently introduced LoanEngine™ – which provides you with the ultimate lending experience, from the comfort of your home! SeaComm members who qualify for pre-approved loan offers can view them through the SeaComm Mobile 4.0 app or NetTeller™ in the “My Offers” tab, via email, and/or a letter through the mail. You have the ability to accept offers immediately by following the prompts, or by calling into our call center at (800) 764-0566. Click here to login to your NetTeller™ to view your current offers! If you don’t have any offers at this time, be sure to check back every 60 days.

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