You are leaving Granite Credit Union's web site to go to a site not operated by the credit union. Granite Credit Union is not responsible for the content of that web site. Granite Credit Union does not represent either the third party or the member if the two enter into a transaction. Privacy and security policies may differ from those practiced by Granite Credit Union.
Juggling credit cards, medical bills, and Personal Loans with different due dates and different interest rates can make it hard to get ahead. If you own a home in West Valley, the equity you have built may be one of the most effective tools available for simplifying that debt into a single, more manageable payment. Granite Credit Union has served Utah families since 1935, and our West Valley branch is ready to help you explore debt consolidation options built around your home’s equity.
Homeowners across West Valley often carry a mix of credit card balances, Auto Loans, and Personal Loans, each with its own rate and its own due date. Rolling those balances into one home equity-based payment can reduce the number of bills you track each month and may lower the overall interest you pay over time, since your property secures home equity products and often carries more favorable terms than unsecured debt. Every member’s situation is different, so we encourage West Valley members to review current consumer rates and talk with a Granite CU loan specialist about whether debt consolidation makes sense for their goals.
Granite CU offers two primary paths for turning your home’s equity into a debt consolidation tool. Both are available to eligible members through our Home Equity Line of Credit and 2nd Mortgage options.
A HELOC gives you a revolving line of credit secured by your home, so you can draw funds to pay off higher-interest debt and only pay interest on the amount you use. Many West Valley members like the flexibility a HELOC offers, since you can use it to pay off credit cards and Personal Loans now and keep it available for future needs.
A 2nd Mortgage gives you a lump sum secured by your home’s equity, which can be ideal if you know the exact amount of debt you want to consolidate and prefer a fixed, predictable repayment schedule. Rates and terms for both options change with the market, so always check the current consumer rates page before applying.
Not every member has home equity to draw from, and that is where Granite CU’s Consolidation Loans come in. These Personal Loan options combine multiple debts into a single monthly payment without using your home as collateral, which can be a good fit for renters or newer homeowners in West Valley who are still building equity. A Granite CU loan specialist can walk you through both the home equity and Personal Loan paths so you can choose the debt consolidation option that fits your budget and your timeline.
Granite Credit Union was founded in 1935 by educators in the Granite School District, and that community-first mindset still guides how we serve members today, 90 years later. Our vision is simple. Always there, so you can make life happen; that means being a financial partner for West Valley families working to pay down debt, not just a place to open an account.
Granite Credit Union serves members across 10 Utah counties: Salt Lake, Box Elder, Weber, Morgan, Davis, Summit, Tooele, Utah, Wasatch, and Juab. Employees of the Granite, Murray, or Salt Lake School Districts also qualify, as do immediate family members of anyone eligible. West Valley residents fall well within this membership footprint, and joining is easy.
West Valley is also home to a significant ITIN member community, and Granite CU’s ITIN Services mean that members using an Individual Taxpayer Identification Number instead of a Social Security Number can still access the same debt consolidation tools described on this page.
Granite CU’s West Valley branch is located at the Rancho Plaza (Latino Mall) office, 2470 South Redwood Road, Suite 110, West Valley, Utah 84119. Lobby hours are Monday through Friday, 9:00 a.m. to 6:00 p.m., and Saturday, 9:00 a.m. to 2:00 p.m. Stop by to speak with a loan specialist in person, or review the full Granite CU branch and hours list before you visit.
If you are ready to simplify your bills and put your home’s equity to work, Granite Credit Union is here to help West Valley members build a plan that fits their budget. Existing members can review their options and apply for a Home Equity Line of Credit, 2nd Mortgage, or Consolidation Loan right now. If you are not yet a member, becoming one takes just a few minutes and opens the door to the same debt consolidation tools, along with ITIN Services, insurance, and the Vanishing Rate Auto Loan.
