A member and his wife applied for a Home Equity Line of Credit to replace their roof and complete additional home repairs. Unfortunately, the loan request was denied due to insufficient income in relation to their debts. While discussing the loan decision, the members suggested adding their son and daughter to the application. This created […]

I’ve known this member since I joined the credit union and have been building a relationship with her ever since. I suggested Financial Wellness to her last October, and since early November, we have had multiple sessions focused on building a budget and gaining control of her expenses. At the time, she had a monthly […]

A longtime member recently came to us after going through a divorce. She had financed her vehicle outside the credit union, and both the payment amount and interest rate were high. As she adjusted to life on a single income, she began having difficulty keeping up with her bills. We were able to refinance her […]

A couple requested help and guidance after finding themselves in a bind over the last few years due to the economy. Once I sat down with them, I realized they hadn’t really overextended themselves per se; they had simply ended up with several small loans carrying extremely high interest rates. As a result, their payments […]

When the government shut down last fall, Denys La Rosa, a retired sergeant first class as well as a civilian employee with the U.S. Army, faced a difficult choice. A single father of two, his monthly retirement check wasn’t enough to cover the mortgage and other expenses, so he lined up a temporary job as […]

A longtime member of the credit union came to us feeling overwhelmed by two high-interest credit card balances that had become difficult to manage. Over time, rising interest charges caused her monthly payments to grow, and she was struggling to keep up while still covering basic household expenses. She shared that she felt stressed and […]