A 41-year member called about the possibility of getting a lower rate on her credit card with CCU. She currently had the lowest rate CCU offered. As we discussed other ways to help her save money, I discovered that she had recently purchased a vehicle that had experienced a total loss. She lives outside our […]

I had a member in my office because there were withdrawals coming out of her account that were not hers. After researching the issue, we were able to determine what had happened and worked to get it corrected for her. Before she left, she mentioned that she was struggling with her payments and thought she […]

Long-time TAPCO members were experiencing severe financial and medical hardships. The husband suffered a disabling medical event that left him permanently disabled, unable to work, and requiring constant monitoring. As a result, the wife was forced to find a new job that allowed her to work from home so she could provide care. They also […]

Our members, a husband and wife, had struggled for years with high‑interest credit cards and other financial issues. At the time, they were living with his mother‑in‑law. By the end of 2023, the mother‑in‑law had only made three mortgage payments and was facing foreclosure. In September 2023, the husband was home when he received a […]

A 61-year-old single woman came to the credit union experiencing financial distress after spending years caring for her aging mother. During that time, she accumulated approximately $22,500 in credit card debt, largely to cover caregiving and daily living expenses. As balances grew, she became trapped in a cycle of late payments, incurring $30 to $35 […]

A member, a homeowner in Brevard County, Florida, applied for a personal loan with a credit score of 514, a debt-to-income ratio of 78%, and an annual income of $36,000. Under traditional underwriting standards at most banks and credit unions, this application would typically have resulted in an automatic denial. However, the member had been […]