A member came in for a cash-out refinance. She was in the process of applying for Habitat for Humanity, but because she had inherited credit card debt from her divorce, her debt-to-income ratio was too high. Habitat advised her that this needed to be resolved before she could qualify.The member shared that she had reached […]

This past year, I had a member come in who was desperate to separate from her spouse and the debt tied to their marriage. At the time of her loan, her credit score was in the low 500s, so she was not hopeful that she would be able to do much at all. She had […]

A member came to us requesting a debt consolidation loan. After listening carefully, one of our crewmembers took the time to offer an alternative approach: the debt snowball method. Working one-on-one with our member, she organized the outstanding debts from smallest to largest, then created a plan for the member to aggressively pay toward the […]

A longtime Day Air Credit Union member and grandmother in Dayton, Ohio worked for years toward a single goal: stable homeownership for herself and the family she helps support. Living on a modest income as a caregiver, she had limited access to affordable credit through traditional lenders. Over time, Day Air supported her with responsible […]

A married couple visited the Credit Union seeking assistance in refinancing their vehicle for a better rate. Santander financed the couple’s car loan and the interest rate was 24.300 %. They both worked for a cleaning company. Suddenly, the wife became ill and had to stay at home. One income was not sufficient to cover […]

A member came in wanting to apply for a credit card and mentioned that it was his first time ever applying for one. I began asking questions about his purpose for applying so I could better explain his options. He shared that he wanted to pay off a current loan because he was paying very […]