What better way to start the New Year than by visiting your hometown financial cooperative to get all your ducks in a row? DNCU understands that the holidays add debt to our lives—and ultimately unwanted stress. It's a cycle that can spin out of control—luckily you have a team of experts ready to help you succeed in 2019.

DNCU and the way we approach banking is unique because we offer unbiased financial advice to anyone that seeks it. We look at your entire story, not just a credit score. Our mission of improving lives has cultivated a culture of compassion and understanding—and that goes a long way.

The financial products that we design mirror our unique community and provide a better future for everyone. Right now, you can take advantage of our Balance Transfer For Life.

It's simple; you can consolidate all of your high interest rate credit cards and loans to the DNCU Platinum Visa Credit Card. Pay no annual fee and no balance transfer fees, get 5.90% APR* for the life of the balance—and just like that, you'll be on your way to financial freedom! You can continue using our credit card and lock in a 9.90% APR for future purchases—an APR that is well below most consumer credit cards.

DNCU also offers secured credit cards to those of you who are building or starting off your credit worthiness. These products are designed to put you on the right path for years to come. We also have great partners like Greenpath that are no cost financial advisors that build personalized plans just for you. Learn more about our products and partners at dncu.org or you can Apply & Sign online today!

A quick tip:

Beware of low or zero percent introductory rate offers. These offers usually have changes in the term that may not be clear to you. Most rates will increase over time, which can make it harder for you to pay down balances. Because we are in a rising interest rate environment, locking in a good rate now that won't change over time can make it easier for you to pay off future debt.

You can always visit one of our six locations across Northern New Mexico. We can sit down with you to discuss a comprehensive financial plan and help you achieve your financial dreams. DNCU is Improving Lives across New Mexico!

*Annual Percentage Rate. For qualified borrowers, some restrictions apply. Promotion for external consolidations only. Transactions that will qualify must be requested between January 14, 2019 – March 31, 2019. Any balance transferred after March 31, 2019 will be charged at the regular rate of 9.90% APR. Del Norte Credit Union is an Equal Opportunity Lender.