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 […]

In rural Northwest Florida, financial opportunities are scarce. With no major industries, most residents rely on local government, correctional facility employment, or service industry jobs. For one member, a mother of three, working outside the home was not feasible due to childcare costs. To help support her family, she bred dogs, but she dreamed of […]