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Home Style Guide

Style Guide

This page is a guide to the text and widget styles available on the site.

Text Styles

These are styles that can be added through the tools and style dropdown in the rich text editor (Content blocks, other areas with a rich text editor like the content blocks')

H2 Title

H3 Title

H4 Title

H5 Title
H6 Title

Paragraph Copy Lorem Ipsum

Color Text

Color2 Text

Color3 Text

Grey Text

Large Text

Larger Text

Small Text

Uppercase Text

Thin Text

Extra Bold Text

Color, Color2, Color 3, and Grey Text in a title

Lists

  1. List Item 1
  2. List Item 2
    • List item 1
    • List item 2
  3. List Item 3
  4. List item 4

Other

Callout Text Here

Quotation Cite

Line Rules

Separator

Further styles and more customized separators are available under the "separators" tool under "layout" 

Link Styles

The button variants should only be used when a single button is needed and it doesn't need to be shared anywhere. These can be added through the "Link Style" dropdown under "More Options" when creating a link in the rich text editor.

Basic Link

Link Style Button

Link Style Secondary Button

Link Style Accent Button

Emphasized Link

Buttons

There are four ways to create a button.

A button can be added through the link style dropdown in any link within a rich text editor or content block.

CTAs widget can provide buttons unique to a page.

Furthermore, buttons can be added to the buttons widget. Buttons added to the buttons widget are shared between all instances of the button. Shared buttons are recommended because if a link is changed later, then all buttons linking to the link be changed at once.

Call to Action (CTAs) Widget

CTAs are recommended when no more than two buttons are needed, and the buttons are unique to the page and aren't to be used anywhere else on the site.

The options available in the CTAs widget are also more limited than the options available through the shared buttons widget.

CTA Button Learn More about CTAs
CTA Button Learn More about CTAs

Shared Buttons

Buttons can be created under content.

They can also be created when selecting buttons in the widget.

Buttons can be added to the page either through the dedicated, full-optioned button widget or through the content list widget.

Using the buttons widget to add buttons

The buttons widget is specialized for buttons and contains all button options.

Using the content List widget to make buttons

Buttons can also be added through the site's standard content list widget.

Once dropped, the list settings must be adjusted as follows: 

Only 5 styles are available in the content list widget.

Flip Badge Callout

A very simple way of making this callout.

By default, the front is the fibre logo, but it can be customized.

Just drop content here after adding the widget

  • It's simple
  • It's easy

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor .

Splash Heading

These are the headings used on the home page. Although they are not used on the inside pages by default, support for them exists to allow future use in potential landing pages.

Pre-Heading

Splash Heading

Anchor

Anchor is used to easily add a location to the page that can be linked to by any link's "anchor" field. Note that each anchor's value can only be used once per page, or the linking will break.

Click to jump to the anchor below the paragraph

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Quis ipsum suspendisse ultrices gravida. Risus commodo viverra maecenas accumsan lacus vel facilisis. 

Youtube

Allows easy embedding of a youtube video. Simply copy this part of the end of the youtube video's url (after ?v= and before any other &) 

and paste it into the video id field in the widget's edit panel. 

The Content List

A number of different types of content can be selected through this widget.

Depending on the widget, various other options may be available under list settings. Order By, Spacing, and Width are available for all widgets. Buttons are available for quicklinks, lists, and some testimonial templates and styles. Header is available for quicklinks, lists, blog lists, and some testimonial templates. Alignment is only relevant for buttons (for now).

Only blog and news take advantage of the items  under detail view settings.

Blogs

Blog posts can be added under content - > Blogs, then clicking into the blog the post should be added to.

To add the posts to the page, "Posts" should be set as the Content type, and "Blog post list" should be set as the template.

To display all blog posts, all published items can be set to show without modification. However, the posts can be set to draw only posts from a specific blog and/or category, which allows more nuanced selection of content. For example, featured posts on the auto loans page can be set to draw only posts from the Information blog and the Auto Loans category. This allows for a much easier maintenance of the post system across multiple pages, because the post lists can then automatically update with the latest information as new posts are added, without each post list needing the posts selected manually every time.

Style 1 shows all posts.

How to consolidate credit card debt without hurting your credit

Do debt consolidation loans hurt your credit? The short answer is yes, but only temporarily if you are smart about how you consolidate. By doing your debt consolidation right, you will gain far more in the long term by getting your debt problem under control. Here’s how to nail your debt consolidation—and get the credit you deserve for doing it.

SMART ABOUT DEBT, SMART ABOUT CREDIT

If you’re juggling multiple credit card payments, shifting balances between several accounts, or racking up late or missed payment fees, it might be time to take a deep breath and consider a debt consolidation plan. While taking on even more debt at this point may seem scary, it’s important to weigh the short-term pains versus the long-term gains of debt consolidation.

Many people worry that opting to consolidate their card debt will damage their credit even further. While it is true that taking out further debts will affect your credit score, this must be viewed against the damage your out-of-control debts are already doing to your creditworthiness. You can also minimize this effect by being wise about how you do your debt consolidation.

Below, we look at what credit card debt is and how it works. We’ll also examine how to consolidate credit card debt without hurting your credit and consider some of the major pros and cons of debt consolidation through different methods.

WHAT IS DEBT CONSOLIDATION?

Debt consolidation means transferring money you owe to multiple creditors into a single account. To do this, you borrow a lump sum from a single source, usually at a lower interest rate or over a longer term, and use the money to pay off all or some of your outstanding debts.

When used together with a strict budget and a serious commitment to avoid borrowing more money, debt consolidation can allow you to save money on interest payments and escape long-term indebtedness that can cripple your financial future.

HOW DOES DEBT CONSOLIDATION WORK?

Debt consolidation allows you to exchange multiple loans with different interest rates, fees, penalties, and payment terms for a single source of borrowing. Depending on your situation, consolidating your debt in this way will either allow you to pay less in interest over time, or to pay less each month by allowing you to repay what you owe over a longer period.

You’ll also save money by paying less in penalties for late or missed payments, service fees, and monthly or annual fees for credit cards you are unable to pay off.

HOW DOES DEBT CONSOLIDATION AFFECT CREDIT?

While struggling to pay your existing debt is likely to have already lowered your credit score, debt consolidation also has an impact on your record because it involves further borrowing on your part. In most cases this effect is temporary, and you should see a significant improvement as time goes on, but this depends on how you choose to consolidate your debt.

Let’s review how each of the most common forms of debt consolidation affects the major factors that go into determining your credit score.

Balance Transfer Cards

A balance transfer credit card lets you add your existing credit card balances to a new account to allow you to take advantage of a better annual percentage rate (APR) or other more favorable payment terms. This makes balance transfer cards a popular way to manage outstanding debt on two or more high-interest cards.

These cards allow you to add existing balances for a low or no-cost fee and usually offer a break on interest charges for an introductory period of six months or more. That can bring valuable breathing room to get ahead of payments, provided you do not use your new card for any purchases.

Opening a balance transfer card will likely hit your credit score by several points when you first open it since it will be seen as another source of high-interest debt. But this should quickly be offset by the reduction in borrowing on your other cards and fewer late or missed payment charges.

Remember to keep these credit cards open even after you have paid down your balance, as this will boost your overall credit utilization rate. Make a small purchase every month on each card and pay it off in full.

The trick with balance transfer cards is to pay off what you owe quickly to save money on interest and then, of course, to keep your balance under control. Otherwise, you will have to pay off a large balance over a longer period at a relatively high interest rate.

PERSONAL LOANS

As the most popular way to consolidate debt, a personal loan lets you exchange the variable high-interest rate debt of two or more credit card balances for a single fixed monthly payment. While it can take a while to pay down your total debt with a personal loan, you’ll know exactly how much you owe, how much you need to pay each month, and when your debt will be clear.

Personal loans are easy to apply for and bring simplicity and predictability to the chaos of juggling several fast-growing credit card balances. When used with a realistic monthly budget and a commitment to stick to it, it’s a proven way to get rid of mounting debt while rebuilding your credit.

While applying for and signing on a personal loan will lower your credit score a few points, the fact that this is usually a fixed-rate loan with a significantly lower APR limits the impact. You should see your score start to climb as you cut out the late and missed payments and replace maxed-out credit limits with regular minimum payments.

Over time, your improving debt-to-income ratio and reduced high-interest debt load will help improve your score further. Also, adding a new form of borrowing to your portfolio can increase the mix of credit products you use and will help as well. You can boost the effect of all these factors on your score by opting for a secured loan using a vehicle, boat, or cash as collateral.

Home Equity Loans

A home equity loan is a lump sum payment borrowed against the equity you have built up in your home by paying down your mortgage. Home equity loans can be significant, especially if you’ve been in your home a while and interest rates are far lower than credit cards or even personal loans because the debt is secured by the property itself.

A home equity loan can make sense if you are determined to turn the page on a sustained period of high-interest borrowing, but still need to pay down a sizable debt. You will effectively exchange several variable high-interest payments for a single, usually fixed payment that is paid off over an extended period of up to 30 years.

A home equity loan, however, includes many of the high costs of taking out your original mortgage including origination, title search, and appraisal fees, plus closing costs of up to 5% of the loan amount. That can make using your valuable home equity to pay off your short-term credit card debt uneconomical in most cases—and you put your home itself at risk.

That said, a home equity loan will improve your credit score significantly over time (after the initial drop when you apply and take out your loan) because you are exchanging high-interest, short-term borrowing for long-term, low-rate secured borrowing.

Unfortunately, if your credit card debts are high enough to make it economical to borrow against your home to pay them, your credit score is likely to have already been severely damaged.

DEBT CONSOLIDATION PROS AND CONS

Debt consolidation makes sense if you are struggling to pay several sources of high-interest borrowing, but is not the right choice in every case. Let’s take a look at the pros and cons.

Some of the major advantages of debt consolidation include:

  • A lower interest rate or a more manageable longer-term loan
  • A single, predictable monthly payment
  • Quick, cheap, and easy to apply
  • A chance to improve your credit score, especially if you replace out-of-control debt on several credit cards with a single, fixed-rate personal loan

At the same time, some potential downsides of debt consolidation include:

  • A higher interest rate if your credit score is already low
  • Added costs, especially if you need to take out a home equity loan
  • Missing out on your credit card rewards
  • The temptation to rack up more debt

PAY DEBT AND BUILD CREDIT WITH FIBRE FEDERAL CREDIT UNION

Credit card balances and other forms of high interest can creep up on you and make it harder to reach your long-term goals and dreams. If unmanageable debt is standing between you and your future, a personal loan offers a tried-and-true way to get back on track.

A personal loan from Fibre Federal lets you pay off loan expenses with ease by offering you a fixed interest rate and predictable payments. You’ll know what to expect each month and be able to start planning for the future. Best of all, you’ll begin rebuilding the credit you need to borrow money for things that really matter like a car, home, or college education.

At Fibre Federal, we offer our members great personal loans with:

  • Competitive, fixed rates
  • Flexible terms from 12-60 months
  • Skip-a-Pay once a year with no penalty
  • No strings: use your loan for debt consolidation or almost anything else

Talk to us today about a personal loan to help you reach your financial goals. Our friendly staff will help you find a loan with a monthly payment that works for you and an interest rate that will help you build the future of your dreams. Click below to learn more.

See Our Personal Loan Options & Benefits

Style 2 shows the latest 4 posts. 

How to consolidate credit card debt without hurting your credit

Do debt consolidation loans hurt your credit? The short answer is yes, but only temporarily if you are smart about how you consolidate. By doing your debt consolidation right, you will gain far more in the long term by getting your debt problem under control. Here’s how to nail your debt consolidation—and get the credit you deserve for doing it.

SMART ABOUT DEBT, SMART ABOUT CREDIT

If you’re juggling multiple credit card payments, shifting balances between several accounts, or racking up late or missed payment fees, it might be time to take a deep breath and consider a debt consolidation plan. While taking on even more debt at this point may seem scary, it’s important to weigh the short-term pains versus the long-term gains of debt consolidation.

Many people worry that opting to consolidate their card debt will damage their credit even further. While it is true that taking out further debts will affect your credit score, this must be viewed against the damage your out-of-control debts are already doing to your creditworthiness. You can also minimize this effect by being wise about how you do your debt consolidation.

Below, we look at what credit card debt is and how it works. We’ll also examine how to consolidate credit card debt without hurting your credit and consider some of the major pros and cons of debt consolidation through different methods.

WHAT IS DEBT CONSOLIDATION?

Debt consolidation means transferring money you owe to multiple creditors into a single account. To do this, you borrow a lump sum from a single source, usually at a lower interest rate or over a longer term, and use the money to pay off all or some of your outstanding debts.

When used together with a strict budget and a serious commitment to avoid borrowing more money, debt consolidation can allow you to save money on interest payments and escape long-term indebtedness that can cripple your financial future.

HOW DOES DEBT CONSOLIDATION WORK?

Debt consolidation allows you to exchange multiple loans with different interest rates, fees, penalties, and payment terms for a single source of borrowing. Depending on your situation, consolidating your debt in this way will either allow you to pay less in interest over time, or to pay less each month by allowing you to repay what you owe over a longer period.

You’ll also save money by paying less in penalties for late or missed payments, service fees, and monthly or annual fees for credit cards you are unable to pay off.

HOW DOES DEBT CONSOLIDATION AFFECT CREDIT?

While struggling to pay your existing debt is likely to have already lowered your credit score, debt consolidation also has an impact on your record because it involves further borrowing on your part. In most cases this effect is temporary, and you should see a significant improvement as time goes on, but this depends on how you choose to consolidate your debt.

Let’s review how each of the most common forms of debt consolidation affects the major factors that go into determining your credit score.

Balance Transfer Cards

A balance transfer credit card lets you add your existing credit card balances to a new account to allow you to take advantage of a better annual percentage rate (APR) or other more favorable payment terms. This makes balance transfer cards a popular way to manage outstanding debt on two or more high-interest cards.

These cards allow you to add existing balances for a low or no-cost fee and usually offer a break on interest charges for an introductory period of six months or more. That can bring valuable breathing room to get ahead of payments, provided you do not use your new card for any purchases.

Opening a balance transfer card will likely hit your credit score by several points when you first open it since it will be seen as another source of high-interest debt. But this should quickly be offset by the reduction in borrowing on your other cards and fewer late or missed payment charges.

Remember to keep these credit cards open even after you have paid down your balance, as this will boost your overall credit utilization rate. Make a small purchase every month on each card and pay it off in full.

The trick with balance transfer cards is to pay off what you owe quickly to save money on interest and then, of course, to keep your balance under control. Otherwise, you will have to pay off a large balance over a longer period at a relatively high interest rate.

PERSONAL LOANS

As the most popular way to consolidate debt, a personal loan lets you exchange the variable high-interest rate debt of two or more credit card balances for a single fixed monthly payment. While it can take a while to pay down your total debt with a personal loan, you’ll know exactly how much you owe, how much you need to pay each month, and when your debt will be clear.

Personal loans are easy to apply for and bring simplicity and predictability to the chaos of juggling several fast-growing credit card balances. When used with a realistic monthly budget and a commitment to stick to it, it’s a proven way to get rid of mounting debt while rebuilding your credit.

While applying for and signing on a personal loan will lower your credit score a few points, the fact that this is usually a fixed-rate loan with a significantly lower APR limits the impact. You should see your score start to climb as you cut out the late and missed payments and replace maxed-out credit limits with regular minimum payments.

Over time, your improving debt-to-income ratio and reduced high-interest debt load will help improve your score further. Also, adding a new form of borrowing to your portfolio can increase the mix of credit products you use and will help as well. You can boost the effect of all these factors on your score by opting for a secured loan using a vehicle, boat, or cash as collateral.

Home Equity Loans

A home equity loan is a lump sum payment borrowed against the equity you have built up in your home by paying down your mortgage. Home equity loans can be significant, especially if you’ve been in your home a while and interest rates are far lower than credit cards or even personal loans because the debt is secured by the property itself.

A home equity loan can make sense if you are determined to turn the page on a sustained period of high-interest borrowing, but still need to pay down a sizable debt. You will effectively exchange several variable high-interest payments for a single, usually fixed payment that is paid off over an extended period of up to 30 years.

A home equity loan, however, includes many of the high costs of taking out your original mortgage including origination, title search, and appraisal fees, plus closing costs of up to 5% of the loan amount. That can make using your valuable home equity to pay off your short-term credit card debt uneconomical in most cases—and you put your home itself at risk.

That said, a home equity loan will improve your credit score significantly over time (after the initial drop when you apply and take out your loan) because you are exchanging high-interest, short-term borrowing for long-term, low-rate secured borrowing.

Unfortunately, if your credit card debts are high enough to make it economical to borrow against your home to pay them, your credit score is likely to have already been severely damaged.

DEBT CONSOLIDATION PROS AND CONS

Debt consolidation makes sense if you are struggling to pay several sources of high-interest borrowing, but is not the right choice in every case. Let’s take a look at the pros and cons.

Some of the major advantages of debt consolidation include:

  • A lower interest rate or a more manageable longer-term loan
  • A single, predictable monthly payment
  • Quick, cheap, and easy to apply
  • A chance to improve your credit score, especially if you replace out-of-control debt on several credit cards with a single, fixed-rate personal loan

At the same time, some potential downsides of debt consolidation include:

  • A higher interest rate if your credit score is already low
  • Added costs, especially if you need to take out a home equity loan
  • Missing out on your credit card rewards
  • The temptation to rack up more debt

PAY DEBT AND BUILD CREDIT WITH FIBRE FEDERAL CREDIT UNION

Credit card balances and other forms of high interest can creep up on you and make it harder to reach your long-term goals and dreams. If unmanageable debt is standing between you and your future, a personal loan offers a tried-and-true way to get back on track.

A personal loan from Fibre Federal lets you pay off loan expenses with ease by offering you a fixed interest rate and predictable payments. You’ll know what to expect each month and be able to start planning for the future. Best of all, you’ll begin rebuilding the credit you need to borrow money for things that really matter like a car, home, or college education.

At Fibre Federal, we offer our members great personal loans with:

  • Competitive, fixed rates
  • Flexible terms from 12-60 months
  • Skip-a-Pay once a year with no penalty
  • No strings: use your loan for debt consolidation or almost anything else

Talk to us today about a personal loan to help you reach your financial goals. Our friendly staff will help you find a loan with a monthly payment that works for you and an interest rate that will help you build the future of your dreams. Click below to learn more.

See Our Personal Loan Options & Benefits

Style 3 is a slider of posts.

Please do not use this one inside of a tab, unless the tab is the first tab (being hidden on page load can cause issues with the slider's initial calculations.)

How to consolidate credit card debt without hurting your credit

Do debt consolidation loans hurt your credit? The short answer is yes, but only temporarily if you are smart about how you consolidate. By doing your debt consolidation right, you will gain far more in the long term by getting your debt problem under control. Here’s how to nail your debt consolidation—and get the credit you deserve for doing it.

SMART ABOUT DEBT, SMART ABOUT CREDIT

If you’re juggling multiple credit card payments, shifting balances between several accounts, or racking up late or missed payment fees, it might be time to take a deep breath and consider a debt consolidation plan. While taking on even more debt at this point may seem scary, it’s important to weigh the short-term pains versus the long-term gains of debt consolidation.

Many people worry that opting to consolidate their card debt will damage their credit even further. While it is true that taking out further debts will affect your credit score, this must be viewed against the damage your out-of-control debts are already doing to your creditworthiness. You can also minimize this effect by being wise about how you do your debt consolidation.

Below, we look at what credit card debt is and how it works. We’ll also examine how to consolidate credit card debt without hurting your credit and consider some of the major pros and cons of debt consolidation through different methods.

WHAT IS DEBT CONSOLIDATION?

Debt consolidation means transferring money you owe to multiple creditors into a single account. To do this, you borrow a lump sum from a single source, usually at a lower interest rate or over a longer term, and use the money to pay off all or some of your outstanding debts.

When used together with a strict budget and a serious commitment to avoid borrowing more money, debt consolidation can allow you to save money on interest payments and escape long-term indebtedness that can cripple your financial future.

HOW DOES DEBT CONSOLIDATION WORK?

Debt consolidation allows you to exchange multiple loans with different interest rates, fees, penalties, and payment terms for a single source of borrowing. Depending on your situation, consolidating your debt in this way will either allow you to pay less in interest over time, or to pay less each month by allowing you to repay what you owe over a longer period.

You’ll also save money by paying less in penalties for late or missed payments, service fees, and monthly or annual fees for credit cards you are unable to pay off.

HOW DOES DEBT CONSOLIDATION AFFECT CREDIT?

While struggling to pay your existing debt is likely to have already lowered your credit score, debt consolidation also has an impact on your record because it involves further borrowing on your part. In most cases this effect is temporary, and you should see a significant improvement as time goes on, but this depends on how you choose to consolidate your debt.

Let’s review how each of the most common forms of debt consolidation affects the major factors that go into determining your credit score.

Balance Transfer Cards

A balance transfer credit card lets you add your existing credit card balances to a new account to allow you to take advantage of a better annual percentage rate (APR) or other more favorable payment terms. This makes balance transfer cards a popular way to manage outstanding debt on two or more high-interest cards.

These cards allow you to add existing balances for a low or no-cost fee and usually offer a break on interest charges for an introductory period of six months or more. That can bring valuable breathing room to get ahead of payments, provided you do not use your new card for any purchases.

Opening a balance transfer card will likely hit your credit score by several points when you first open it since it will be seen as another source of high-interest debt. But this should quickly be offset by the reduction in borrowing on your other cards and fewer late or missed payment charges.

Remember to keep these credit cards open even after you have paid down your balance, as this will boost your overall credit utilization rate. Make a small purchase every month on each card and pay it off in full.

The trick with balance transfer cards is to pay off what you owe quickly to save money on interest and then, of course, to keep your balance under control. Otherwise, you will have to pay off a large balance over a longer period at a relatively high interest rate.

PERSONAL LOANS

As the most popular way to consolidate debt, a personal loan lets you exchange the variable high-interest rate debt of two or more credit card balances for a single fixed monthly payment. While it can take a while to pay down your total debt with a personal loan, you’ll know exactly how much you owe, how much you need to pay each month, and when your debt will be clear.

Personal loans are easy to apply for and bring simplicity and predictability to the chaos of juggling several fast-growing credit card balances. When used with a realistic monthly budget and a commitment to stick to it, it’s a proven way to get rid of mounting debt while rebuilding your credit.

While applying for and signing on a personal loan will lower your credit score a few points, the fact that this is usually a fixed-rate loan with a significantly lower APR limits the impact. You should see your score start to climb as you cut out the late and missed payments and replace maxed-out credit limits with regular minimum payments.

Over time, your improving debt-to-income ratio and reduced high-interest debt load will help improve your score further. Also, adding a new form of borrowing to your portfolio can increase the mix of credit products you use and will help as well. You can boost the effect of all these factors on your score by opting for a secured loan using a vehicle, boat, or cash as collateral.

Home Equity Loans

A home equity loan is a lump sum payment borrowed against the equity you have built up in your home by paying down your mortgage. Home equity loans can be significant, especially if you’ve been in your home a while and interest rates are far lower than credit cards or even personal loans because the debt is secured by the property itself.

A home equity loan can make sense if you are determined to turn the page on a sustained period of high-interest borrowing, but still need to pay down a sizable debt. You will effectively exchange several variable high-interest payments for a single, usually fixed payment that is paid off over an extended period of up to 30 years.

A home equity loan, however, includes many of the high costs of taking out your original mortgage including origination, title search, and appraisal fees, plus closing costs of up to 5% of the loan amount. That can make using your valuable home equity to pay off your short-term credit card debt uneconomical in most cases—and you put your home itself at risk.

That said, a home equity loan will improve your credit score significantly over time (after the initial drop when you apply and take out your loan) because you are exchanging high-interest, short-term borrowing for long-term, low-rate secured borrowing.

Unfortunately, if your credit card debts are high enough to make it economical to borrow against your home to pay them, your credit score is likely to have already been severely damaged.

DEBT CONSOLIDATION PROS AND CONS

Debt consolidation makes sense if you are struggling to pay several sources of high-interest borrowing, but is not the right choice in every case. Let’s take a look at the pros and cons.

Some of the major advantages of debt consolidation include:

  • A lower interest rate or a more manageable longer-term loan
  • A single, predictable monthly payment
  • Quick, cheap, and easy to apply
  • A chance to improve your credit score, especially if you replace out-of-control debt on several credit cards with a single, fixed-rate personal loan

At the same time, some potential downsides of debt consolidation include:

  • A higher interest rate if your credit score is already low
  • Added costs, especially if you need to take out a home equity loan
  • Missing out on your credit card rewards
  • The temptation to rack up more debt

PAY DEBT AND BUILD CREDIT WITH FIBRE FEDERAL CREDIT UNION

Credit card balances and other forms of high interest can creep up on you and make it harder to reach your long-term goals and dreams. If unmanageable debt is standing between you and your future, a personal loan offers a tried-and-true way to get back on track.

A personal loan from Fibre Federal lets you pay off loan expenses with ease by offering you a fixed interest rate and predictable payments. You’ll know what to expect each month and be able to start planning for the future. Best of all, you’ll begin rebuilding the credit you need to borrow money for things that really matter like a car, home, or college education.

At Fibre Federal, we offer our members great personal loans with:

  • Competitive, fixed rates
  • Flexible terms from 12-60 months
  • Skip-a-Pay once a year with no penalty
  • No strings: use your loan for debt consolidation or almost anything else

Talk to us today about a personal loan to help you reach your financial goals. Our friendly staff will help you find a loan with a monthly payment that works for you and an interest rate that will help you build the future of your dreams. Click below to learn more.

See Our Personal Loan Options & Benefits

List Items

The list content type is an easy and convenient way to create and sort lists of simple FAQs and similar content. List Items display like layout accordions. 

Lists can be created under Content - > Lists.

To show list items, select Content type : Lists. It can then be filtered by parent list. List items can also be manually selected if needed. 

Set the template to either Expandable List, Expanded List, or FAQ list. FAQ list comes pre-programmed with SEO relevant to FAQs. 

For all list templates, Style 1 is basic, Style 2 adds an expand all button, and Style 3 is a double column. With the FAQ list template, a title is automatically added at the top, which can be customized through the Title field in the widget's edit panel if needed. The other list templates only create the title if it is explicitly provided in this field.

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

Frequently Asked Questions

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

How to set up help-page-styled FAQs

Drop a grid. set the template to Responsive Grid and the style to "Style 3". Set the width to "Medium". Add the class "help-grid". The width setting is optional, the others are important. Technically, for a 3-wide help grid, Style 1 and "wide" width could be used.

Drop FAQs. Select three. Set the Style to Style 4. 

Each FAQ group's title and link are added through the Header and the two More Link fields under "List Settings". The first link allows selection of pages, the second is for pasting an url -- useful when linking to an anchor. If available, a page link will always take precedence over the custom link, so if using a custom link, ensure that More Link Url doesn't have a page selected.

Loans FAQs

How do I prevent fraud on my account?

Being proactive about fraud and scam situations is essential! You can find helpful tips and tricks for stopping fraud before it happens on our Fraud Prevention page.

What can I do if I am a fraud victim?

If you’ve provided sensitive account information to a scammer, contact us right away to help secure your accounts. If you believe you’ve become a victim of identity theft, refer to the Federal Trade Commission’s information about Identity Theft: What To Know – What To Do.
See All

Auto Loan FAQs

See All

To use similar styling and link structure for normal full-width  FAQs, the grid can simply be left out. 

Auto Loan FAQs

See All

Quicklinks

Despite the name, quicklinks should be considered as  "quicklinks and features" because it also can be used to add icon-title-summary sets to pages. These can have a link but do not need to. They can be displayed either through the "Quicklinks group" widget (discussed later) or the Content List widget.

Quicklinks can be created either under Content -> Quicklinks

Or when selecting quicklinks to add to the list

Quicklinks can be displayed through the Content List widget by setting the Content type to "Quicklinks" and the list to "Quicklink List" 

 

Further styles can be added to the Content List for Quicklinks if needed--for now, only one exists.

Quicklinks Header

Testimonials

Testimonials can be created under Content -> Testimonials

Or when selecting testimonials in the content list widget.

They can be shown using the content list widget with the Content type set to Testimonials and the template set to Testimonial List or Testimonial Random List. 

Testimonials have two templates: "Testimonial List" and "Testimonial Random List".

 

Testimonial list shows all selected testimonials, either as a list or slider. 

Style 1 is a basic list. Style 2 is a simple slider. Style 3 is the same slider, but with additional styling and a title/button area. 

My friends, family and I do all of our banking at Fibre Federal because they consistently provide such good service. Their employees and branches are so professional, and the staff is so helpful that I don't want to go to any other bank.
Maddie W., Longview, WA
It was reported to me by a life insurance company that they had a data breach and my banking information was stolen. The thief tried to charge my card, but Fibre saw the charge as suspicious and declined the charge. Thank you, Fibre Federal Credit Union, for having my back. I have a tight budget and losing any amount of my money could be devastating to me and my family.
Cherilynn
I am very satisfied with my experience, especially due to the fact it was my first time using the text feature. The agent I talked to was very professional, answered all of my questions, operated in timely fashion, and left me with a good first impression. I will be using this again because of her.
Brad O.
I used the chat feature in the Fibre Federal Credit Union app to resolve a problem with funds in one of our accounts and I couldn’t be happier with the experience. I work in a loud environment where phone calls aren’t always the best option for contacting people, so having the ability to chat with someone is a great option I think all banking institutions should implement.
Trevor N.
I would like to start off by saying that I really appreciate all the ways available to communicate with tellers: they have an online chat, call, video call, and online assistant to help with basic things. Whenever I interact with the tellers, they are kind and intelligent. I have always been able to fix the issues I come across with this credit union!
Tabatha B.
Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.
I love being a part of the Fibre Family! Everyone is always so kind and helpful and I really appreciate the drive up ITM with virtual help!
Melissa T.
Money was never something that we talked about growing up, so it’s something I really try to focus on with my kids. My kids each have accounts at the credit union. My daughter just turned six and feels like such a big girl when she’s able to make that transaction with a teller. If I had had those conversations with my family, I could have had more opportunities to do the things that I wanted to do.
Shantelle
The loan department at Fibre CU was extremely helpful with our needs and were quick to communicate and help solve any concerns we had. Would recommend Fibre CU and their helpful staff!
Rolly B.
Great customer service! I accidentally made a loan payment 2x and instead of telling me, ‘Sorry, Charlie,' as I expected, they reversed it right away no questions asked! Never had a bad experience with them. Great job all.
Danielle
The first loan I got was for a pickup, then I had an RV, and now I have a boat loan. Each loan was simple and went through so good that I’ve come back to deal with Kim every time. That was the quality that made me decide to switch to Fibre Federal.
Kelly
They’ve never wanted to push me into any kind of direction as far as loans. We sit down, they tell you the truth [and] the right path to go.
Mark
We have both personal and business accounts with Fibre, and have only good things to say! The staff is extremely helpful and friendly, especially in the business aspect of things. We couldn't ask for a better credit union!
Bryce B.
Fibre FCU has been a shining light for our business. We are always met with professionalism and know they care about us and the business we have brought to the Longview community. Thank you, thank you FibreFCU. We look forward to another great year.
Martha S.
I have been with them for both personal and business accounts. I find their checking to be great (online is easy to use) and their Choice Checking account pays some of the best rates on my balance. Visa account has some of the lowest interest rates available.
David L.
Very helpful and informative. All my questions were answered to the fullest and everything was made crystal clear in reference to opening my accounts.
Jordan M.
Some of the best customer service I've ever experienced. Fun, genuine people who want to get to know you and have an uplifting attitude. When I ask a question, they know exactly how to fix whatever I need. Super helpful people who are passionate about that they do. 5/5 stars!
Josiah D.
They are always friendly, fast, and always helpful with anything you need. I come here for all my banking needs and always leave feeling appreciated. This place is absolutely amazing.
Lisa W.
Best financial institution I have ever used! Super friendly, helpful staff members who give excellent service and are very knowledgeable about their products and services. I love how easy it is to talk to a person or get assistance when needed.
Geoffrey P.
Fibre Federal have been my backbone in every time of need. They have been my credit union now for nearly 10 years and I would not have it any other way! Thank you to Fibre Federal for always being amazing and going above and beyond for your members even if we aren't on top of the game ourselves!
Holly
Fibre FCU has been a shining light for our business. We are always met with professionalism and know they care about us and the business we have brought to the Longview community. Thank you, thank you FibreFCU. We look forward to another great year.
Martha S.
My friends, family and I do all of our banking at Fibre Federal because they consistently provide such good service. Their employees and branches are so professional, and the staff is so helpful that I don't want to go to any other bank.
Maddie W., Longview, WA
It was reported to me by a life insurance company that they had a data breach and my banking information was stolen. The thief tried to charge my card, but Fibre saw the charge as suspicious and declined the charge. Thank you, Fibre Federal Credit Union, for having my back. I have a tight budget and losing any amount of my money could be devastating to me and my family.
Cherilynn
I would like to start off by saying that I really appreciate all the ways available to communicate with tellers: they have an online chat, call, video call, and online assistant to help with basic things. Whenever I interact with the tellers, they are kind and intelligent. I have always been able to fix the issues I come across with this credit union!
Tabatha B.
They are always friendly, fast, and always helpful with anything you need. I come here for all my banking needs and always leave feeling appreciated. This place is absolutely amazing.
Lisa W.
Best financial institution I have ever used! Super friendly, helpful staff members who give excellent service and are very knowledgeable about their products and services. I love how easy it is to talk to a person or get assistance when needed.
Geoffrey P.
We have both personal and business accounts with Fibre, and have only good things to say! The staff is extremely helpful and friendly, especially in the business aspect of things. We couldn't ask for a better credit union!
Bryce B.
I love being a part of the Fibre Family! Everyone is always so kind and helpful and I really appreciate the drive up ITM with virtual help!
Melissa T.
I am very satisfied with my experience, especially due to the fact it was my first time using the text feature. The agent I talked to was very professional, answered all of my questions, operated in timely fashion, and left me with a good first impression. I will be using this again because of her.
Brad O.
The first loan I got was for a pickup, then I had an RV, and now I have a boat loan. Each loan was simple and went through so good that I’ve come back to deal with Kim every time. That was the quality that made me decide to switch to Fibre Federal.
Kelly
I used the chat feature in the Fibre Federal Credit Union app to resolve a problem with funds in one of our accounts and I couldn’t be happier with the experience. I work in a loud environment where phone calls aren’t always the best option for contacting people, so having the ability to chat with someone is a great option I think all banking institutions should implement.
Trevor N.
Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.
Money was never something that we talked about growing up, so it’s something I really try to focus on with my kids. My kids each have accounts at the credit union. My daughter just turned six and feels like such a big girl when she’s able to make that transaction with a teller. If I had had those conversations with my family, I could have had more opportunities to do the things that I wanted to do.
Shantelle
Some of the best customer service I've ever experienced. Fun, genuine people who want to get to know you and have an uplifting attitude. When I ask a question, they know exactly how to fix whatever I need. Super helpful people who are passionate about that they do. 5/5 stars!
Josiah D.
They’ve never wanted to push me into any kind of direction as far as loans. We sit down, they tell you the truth [and] the right path to go.
Mark
Great customer service! I accidentally made a loan payment 2x and instead of telling me, ‘Sorry, Charlie,' as I expected, they reversed it right away no questions asked! Never had a bad experience with them. Great job all.
Danielle
I have been with them for both personal and business accounts. I find their checking to be great (online is easy to use) and their Choice Checking account pays some of the best rates on my balance. Visa account has some of the lowest interest rates available.
David L.
Fibre Federal have been my backbone in every time of need. They have been my credit union now for nearly 10 years and I would not have it any other way! Thank you to Fibre Federal for always being amazing and going above and beyond for your members even if we aren't on top of the game ourselves!
Holly
Very helpful and informative. All my questions were answered to the fullest and everything was made crystal clear in reference to opening my accounts.
Jordan M.
The loan department at Fibre CU was extremely helpful with our needs and were quick to communicate and help solve any concerns we had. Would recommend Fibre CU and their helpful staff!
Rolly B.

Customizable buttons Customizable Title

Great Service deserves to be celebrated. Tell us about the experience that made a difference for you!
I am very satisfied with my experience, especially due to the fact it was my first time using the text feature. The agent I talked to was very professional, answered all of my questions, operated in timely fashion, and left me with a good first impression. I will be using this again because of her.
Brad O.
I have been with them for both personal and business accounts. I find their checking to be great (online is easy to use) and their Choice Checking account pays some of the best rates on my balance. Visa account has some of the lowest interest rates available.
David L.
Best financial institution I have ever used! Super friendly, helpful staff members who give excellent service and are very knowledgeable about their products and services. I love how easy it is to talk to a person or get assistance when needed.
Geoffrey P.
I used the chat feature in the Fibre Federal Credit Union app to resolve a problem with funds in one of our accounts and I couldn’t be happier with the experience. I work in a loud environment where phone calls aren’t always the best option for contacting people, so having the ability to chat with someone is a great option I think all banking institutions should implement.
Trevor N.
Very helpful and informative. All my questions were answered to the fullest and everything was made crystal clear in reference to opening my accounts.
Jordan M.
Great customer service! I accidentally made a loan payment 2x and instead of telling me, ‘Sorry, Charlie,' as I expected, they reversed it right away no questions asked! Never had a bad experience with them. Great job all.
Danielle
Fibre Federal have been my backbone in every time of need. They have been my credit union now for nearly 10 years and I would not have it any other way! Thank you to Fibre Federal for always being amazing and going above and beyond for your members even if we aren't on top of the game ourselves!
Holly
It was reported to me by a life insurance company that they had a data breach and my banking information was stolen. The thief tried to charge my card, but Fibre saw the charge as suspicious and declined the charge. Thank you, Fibre Federal Credit Union, for having my back. I have a tight budget and losing any amount of my money could be devastating to me and my family.
Cherilynn
We have both personal and business accounts with Fibre, and have only good things to say! The staff is extremely helpful and friendly, especially in the business aspect of things. We couldn't ask for a better credit union!
Bryce B.
Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.
I love being a part of the Fibre Family! Everyone is always so kind and helpful and I really appreciate the drive up ITM with virtual help!
Melissa T.
I would like to start off by saying that I really appreciate all the ways available to communicate with tellers: they have an online chat, call, video call, and online assistant to help with basic things. Whenever I interact with the tellers, they are kind and intelligent. I have always been able to fix the issues I come across with this credit union!
Tabatha B.
They’ve never wanted to push me into any kind of direction as far as loans. We sit down, they tell you the truth [and] the right path to go.
Mark
Some of the best customer service I've ever experienced. Fun, genuine people who want to get to know you and have an uplifting attitude. When I ask a question, they know exactly how to fix whatever I need. Super helpful people who are passionate about that they do. 5/5 stars!
Josiah D.
My friends, family and I do all of our banking at Fibre Federal because they consistently provide such good service. Their employees and branches are so professional, and the staff is so helpful that I don't want to go to any other bank.
Maddie W., Longview, WA
They are always friendly, fast, and always helpful with anything you need. I come here for all my banking needs and always leave feeling appreciated. This place is absolutely amazing.
Lisa W.
Fibre FCU has been a shining light for our business. We are always met with professionalism and know they care about us and the business we have brought to the Longview community. Thank you, thank you FibreFCU. We look forward to another great year.
Martha S.
The loan department at Fibre CU was extremely helpful with our needs and were quick to communicate and help solve any concerns we had. Would recommend Fibre CU and their helpful staff!
Rolly B.
Money was never something that we talked about growing up, so it’s something I really try to focus on with my kids. My kids each have accounts at the credit union. My daughter just turned six and feels like such a big girl when she’s able to make that transaction with a teller. If I had had those conversations with my family, I could have had more opportunities to do the things that I wanted to do.
Shantelle
The first loan I got was for a pickup, then I had an RV, and now I have a boat loan. Each loan was simple and went through so good that I’ve come back to deal with Kim every time. That was the quality that made me decide to switch to Fibre Federal.
Kelly

Testimonial Random list shows a random single testimonial from those selected. 

Style 1 is a designed element. Style 2 is a simple presentation that can be dropped inside any section. 

The title is customizable too.

They are always friendly, fast, and always helpful with anything you need. I come here for all my banking needs and always leave feeling appreciated. This place is absolutely amazing.
Lisa W.

Real Words, Real People from the PNW

My friends, family and I do all of our banking at Fibre Federal because they consistently provide such good service. Their employees and branches are so professional, and the staff is so helpful that I don't want to go to any other bank.
Maddie W., Longview, WA

Documents List

Provide a simple list of documents.

docx
test (docx)
Download (12 KB)

Featured Blogs

Show the latest post from each selected blog. 

 Community Communities First Program Founded in 2018, our Communities First Program supports education and healthcare related services. To date, we've donated $284,500 to seven community college foundations and 13 hospital foundations in our service areas. Read More
Financial Wellness Blog How Business Equipment Loans Can Help Your Company Grow Growing a business is always a tough balancing act between driving revenue and paying the bills. The right business equipment loan can help you get off the ground or reach the next level by making it easier to acquire the critical machinery or technology your company needs. Read More

Number Feature

Is a widget implemented to showcase numbers. Currently, the only style is the one shown on the homepage. It was set up as a widget so that the numbers can be easily changed at any time. It can be extended with more styles if needed for landing pages or promotionals (Contact your LKCS sales rep.) 

$1,000 Featured dollars.
500 This is a test number.

Quicklinks Group

This was set up to allow a group of quicklinks with a title and image to be showcased. The title of the main template defaults to "Other Members Also Liked" but can be customized. It can also be used to generate a list of features with the same special styling if quicklinks without links are selected.

It can be extended with more templates as needed.

Customizable title

Steps

Another widget with specialized styling. More templates can be added if needed.

  1. 1 Step 1 Step 1 Description

  2. 2 Careful! Do not make these too long.

Comparison Feature

Scroll all the way down to the special section to find this widget.

Compare

Product 1

Use the Comparison Feature to compare items Yes Click on More Details to access ability to add product rows
Row titles are optional Use Small for normal content
On mobile Basic is large
Row titles are used to label No No creates the X
Each column. Yes Yes creates the check
Schedule an Appointment

Product 2

Use the Comparison Feature to compare items Yes Types can be mixed between products if needed
Row titles are optional Yes
On mobile No
Row titles are used to label Yes
Each column. If an uneven number are provided, the widget will automatically generate rows to compensate. 
Apply for a Credit Card

Additional Widgets 

These were created later and do not have a full guide.

August 30, 2013

Received NCUA's Low-Income Designation (LDI), which extends the credit union's resources, funding, and flexibility to better serve people with limited incomes.

August 8, 2025

Designated a Juntos Avanzamos credit union, recognizing our commitment to empowering Hispanic and immigrant communities and supporting financial well-being for all.

August 24, 2022

Field of Membership expansion into Clark, Grays Harbor, Lewis, and Skamania Counties in Washington.

May 1, 2015

Acquired TLC Federal Credit Union, expanding the branch network and Field of Membership into Tillamook and Lincoln Counties, along the Oregon Coast.

June 13, 2013

Field of Membership expansion into Pacific County in Washington.

September 24, 2012

Field of Membership expansion into Columbia and Clatsop Counties in Oregon, and Wahkiakum County in Washington.

January 1, 2008

Merged with 1st Citizens Federal Credit Union in Longview, WA.

January 1, 1982

Merged with International Paper Company (IPCO) Federal Credit Union in Longview, WA.

September 1975

Fibre Federal changed to a community charter, allowing non-Fibre mill workers and their families in Cowlitz County to become members.

1971

Main Office branch opened (and is still in use to this day!).
Future Home of Fibre Federal Credit Union - People Helping People

1937

Sixty-three employees of Longview Fibre Company pooled together $315 and founded Fibre Federal Credit Union.

Anchor: richTextHtml

Accessing the HTML view in the Rich Text Editor

Although most of the site's features should not require anyone to do this, there exist a few column styles for paragraphs and lists and some other special features that could not be added to the sitefinity editor naturally. Additionally, this view can be used to clean up or double check code when needed.
To access the html view, click somewhere in the text box and then select the  </> in the top right corner. (If the </> isn't visible, the window may need to be made larger.) 

 

This view should not be used to add iframes, embed codes, etc. Those may get "cleansed" by the rich text editor's code cleaner. For embeds, please use the scripts and css widget instead.

Multi-column paragraphs

In order to avoid having to use the html view at all, these starter templates can just be copied where desired to preserve the relevant styling. To make a list or paragraph that already exists contain columns, tab to the html view and add class="cols-2" or class="cols-3" to the paragraph or list. A paragraph with cols-2 code looks like this, as an example of placement for the class:

<p class="cols-2">Two column paragraph copy Lorem Ipsum Dolor ist amet Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut

    aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.</p>

And a list looks like this:

<ul class="cols-2">
    <li>List item 1</li>
    <li>List item 2</li>
    <li>List Item 3</li>
    <li>List item 4</li>
</ul>

 

For lists, the class check-list can also be added to unordered lists to invoke special styling, with examples below: 

<ul class="check-list ">
    <li>List item 1</li>
    <li>List item 2</li>
    <li>List Item 3</li>
    <li>List item 4</li>
</ul>

Renders as : 

  • List item 1
  • List item 2
  • List Item 3
  • List item 4

With columns, the check list's code looks like:

<ul class="check-list cols-2">

    <li>List item 1</li>
    <li>List item 2</li>
    <li>List Item 3</li>
    <li>List item 4</li>
</ul>

 

cols-2

Two column paragraph copy Lorem Ipsum Dolor ist amet Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur.

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How to consolidate credit card debt without hurting your credit

Do debt consolidation loans hurt your credit? The short answer is yes, but only temporarily if you are smart about how you consolidate. By doing your debt consolidation right, you will gain far more in the long term by getting your debt problem under control. Here’s how to nail your debt consolidation—and get the credit you deserve for doing it.

SMART ABOUT DEBT, SMART ABOUT CREDIT

If you’re juggling multiple credit card payments, shifting balances between several accounts, or racking up late or missed payment fees, it might be time to take a deep breath and consider a debt consolidation plan. While taking on even more debt at this point may seem scary, it’s important to weigh the short-term pains versus the long-term gains of debt consolidation.

Many people worry that opting to consolidate their card debt will damage their credit even further. While it is true that taking out further debts will affect your credit score, this must be viewed against the damage your out-of-control debts are already doing to your creditworthiness. You can also minimize this effect by being wise about how you do your debt consolidation.

Below, we look at what credit card debt is and how it works. We’ll also examine how to consolidate credit card debt without hurting your credit and consider some of the major pros and cons of debt consolidation through different methods.

WHAT IS DEBT CONSOLIDATION?

Debt consolidation means transferring money you owe to multiple creditors into a single account. To do this, you borrow a lump sum from a single source, usually at a lower interest rate or over a longer term, and use the money to pay off all or some of your outstanding debts.

When used together with a strict budget and a serious commitment to avoid borrowing more money, debt consolidation can allow you to save money on interest payments and escape long-term indebtedness that can cripple your financial future.

HOW DOES DEBT CONSOLIDATION WORK?

Debt consolidation allows you to exchange multiple loans with different interest rates, fees, penalties, and payment terms for a single source of borrowing. Depending on your situation, consolidating your debt in this way will either allow you to pay less in interest over time, or to pay less each month by allowing you to repay what you owe over a longer period.

You’ll also save money by paying less in penalties for late or missed payments, service fees, and monthly or annual fees for credit cards you are unable to pay off.

HOW DOES DEBT CONSOLIDATION AFFECT CREDIT?

While struggling to pay your existing debt is likely to have already lowered your credit score, debt consolidation also has an impact on your record because it involves further borrowing on your part. In most cases this effect is temporary, and you should see a significant improvement as time goes on, but this depends on how you choose to consolidate your debt.

Let’s review how each of the most common forms of debt consolidation affects the major factors that go into determining your credit score.

Balance Transfer Cards

A balance transfer credit card lets you add your existing credit card balances to a new account to allow you to take advantage of a better annual percentage rate (APR) or other more favorable payment terms. This makes balance transfer cards a popular way to manage outstanding debt on two or more high-interest cards.

These cards allow you to add existing balances for a low or no-cost fee and usually offer a break on interest charges for an introductory period of six months or more. That can bring valuable breathing room to get ahead of payments, provided you do not use your new card for any purchases.

Opening a balance transfer card will likely hit your credit score by several points when you first open it since it will be seen as another source of high-interest debt. But this should quickly be offset by the reduction in borrowing on your other cards and fewer late or missed payment charges.

Remember to keep these credit cards open even after you have paid down your balance, as this will boost your overall credit utilization rate. Make a small purchase every month on each card and pay it off in full.

The trick with balance transfer cards is to pay off what you owe quickly to save money on interest and then, of course, to keep your balance under control. Otherwise, you will have to pay off a large balance over a longer period at a relatively high interest rate.

PERSONAL LOANS

As the most popular way to consolidate debt, a personal loan lets you exchange the variable high-interest rate debt of two or more credit card balances for a single fixed monthly payment. While it can take a while to pay down your total debt with a personal loan, you’ll know exactly how much you owe, how much you need to pay each month, and when your debt will be clear.

Personal loans are easy to apply for and bring simplicity and predictability to the chaos of juggling several fast-growing credit card balances. When used with a realistic monthly budget and a commitment to stick to it, it’s a proven way to get rid of mounting debt while rebuilding your credit.

While applying for and signing on a personal loan will lower your credit score a few points, the fact that this is usually a fixed-rate loan with a significantly lower APR limits the impact. You should see your score start to climb as you cut out the late and missed payments and replace maxed-out credit limits with regular minimum payments.

Over time, your improving debt-to-income ratio and reduced high-interest debt load will help improve your score further. Also, adding a new form of borrowing to your portfolio can increase the mix of credit products you use and will help as well. You can boost the effect of all these factors on your score by opting for a secured loan using a vehicle, boat, or cash as collateral.

Home Equity Loans

A home equity loan is a lump sum payment borrowed against the equity you have built up in your home by paying down your mortgage. Home equity loans can be significant, especially if you’ve been in your home a while and interest rates are far lower than credit cards or even personal loans because the debt is secured by the property itself.

A home equity loan can make sense if you are determined to turn the page on a sustained period of high-interest borrowing, but still need to pay down a sizable debt. You will effectively exchange several variable high-interest payments for a single, usually fixed payment that is paid off over an extended period of up to 30 years.

A home equity loan, however, includes many of the high costs of taking out your original mortgage including origination, title search, and appraisal fees, plus closing costs of up to 5% of the loan amount. That can make using your valuable home equity to pay off your short-term credit card debt uneconomical in most cases—and you put your home itself at risk.

That said, a home equity loan will improve your credit score significantly over time (after the initial drop when you apply and take out your loan) because you are exchanging high-interest, short-term borrowing for long-term, low-rate secured borrowing.

Unfortunately, if your credit card debts are high enough to make it economical to borrow against your home to pay them, your credit score is likely to have already been severely damaged.

DEBT CONSOLIDATION PROS AND CONS

Debt consolidation makes sense if you are struggling to pay several sources of high-interest borrowing, but is not the right choice in every case. Let’s take a look at the pros and cons.

Some of the major advantages of debt consolidation include:

  • A lower interest rate or a more manageable longer-term loan
  • A single, predictable monthly payment
  • Quick, cheap, and easy to apply
  • A chance to improve your credit score, especially if you replace out-of-control debt on several credit cards with a single, fixed-rate personal loan

At the same time, some potential downsides of debt consolidation include:

  • A higher interest rate if your credit score is already low
  • Added costs, especially if you need to take out a home equity loan
  • Missing out on your credit card rewards
  • The temptation to rack up more debt

PAY DEBT AND BUILD CREDIT WITH FIBRE FEDERAL CREDIT UNION

Credit card balances and other forms of high interest can creep up on you and make it harder to reach your long-term goals and dreams. If unmanageable debt is standing between you and your future, a personal loan offers a tried-and-true way to get back on track.

A personal loan from Fibre Federal lets you pay off loan expenses with ease by offering you a fixed interest rate and predictable payments. You’ll know what to expect each month and be able to start planning for the future. Best of all, you’ll begin rebuilding the credit you need to borrow money for things that really matter like a car, home, or college education.

At Fibre Federal, we offer our members great personal loans with:

  • Competitive, fixed rates
  • Flexible terms from 12-60 months
  • Skip-a-Pay once a year with no penalty
  • No strings: use your loan for debt consolidation or almost anything else

Talk to us today about a personal loan to help you reach your financial goals. Our friendly staff will help you find a loan with a monthly payment that works for you and an interest rate that will help you build the future of your dreams. Click below to learn more.

See Our Personal Loan Options & Benefits

Frequently Asked Questions

Need technical support or have additional questions about Digital Wallets?

As much as we’d like to help you with all your concerns and questions, “technical” means different things to different smartphone users! But check out our handy list of providers who can help you get digital wallet set up on your mobile device today. By clicking on your mobile provider, you can get answers on how to use digital wallet and which devices are compatible.

If my card is blocked, can I still use my Digital Wallet to make purchases?

Fibre Federal Digital Wallet does not transfer your card number data but uses a unique “token” code for each transaction. This process is called “tokenization” and it helps safeguard your card information when you make a purchase.

This means that when you make a purchase, the digital wallet will generate a token instead of sending your credit or debit card information to the merchant. The token is used to process the payment while your personal information stays secure.

Plus, as an extra layer of protection, access to your Fibre Federal Digital Wallet is protected by a PIN or other security measure to prevent unwanted access.

Finally, by storing your cards digitally, you can worry less about them being lost or stolen. 

What do I do if I lose my device?

Password protect your smartphone, and install anti-virus software on your phone, such as Avast. Phones have been the latest targeting in SMS messaging, and apps that mimic banking apps, or run while using banking apps.

If you lose your device, contact your cell phone provider immediately. As a precaution, you can contact us at 1-800-205-7872 during business hours or 1-833-462-0796 after hours to block your card.

 

What do I do if my debit or credit card is lost or stolen?

If your card is lost or stolen, we are here to help. If you report suspicious activity to us we will stop further use of the impacted card, replace it and issue a new card number at no cost to you. Contact our 24/7 Card Care Center at 1-833-462-0796.

Real Words, Real People from the PNW

The first loan I got was for a pickup, then I had an RV, and now I have a boat loan. Each loan was simple and went through so good that I’ve come back to deal with Kim every time. That was the quality that made me decide to switch to Fibre Federal.
Kelly
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