Last fall, an older couple stopped by a financial wellness fair outside a Navy Federal Credit Union branch in Oceanside, CA. As the man stepped inside the branch, his wife lingered at the tables outside. She shared that her husband was a longtime member, but she had never had an account of her own. In […]

A member came to the CDFI after being persuaded to take out a title loan to help her daughter. She is deaf and had long trusted her daughter with her finances, but the decision nearly cost her everything. Within days, she owed $4,900 under devastating terms: a 36-month loan at 203.39% interest, with monthly payments […]

A member applied to refinance a car loan to lower the monthly payment. The member had a monthly payment of $662 for 72 months at a rate of 11.50%. After refinancing with We Florida Financial, the member’s new payment was $472 per month at a rate of 7.94%. The member’s payment was reduced by $190 […]

A disabled 60-year-old member living on a fixed income came to us in January of 2025 needing funds to repair her car and purchase new tires. She had been introduced to us through a community seminar on budgeting for seniors. With a 515 credit score, no previous lending history with us, and some delinquencies that […]

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 […]