When members borrow at their credit union they do themselves a double favor. They pay a very low interest rate on their loans and the income which their loans bring into the credit union is returned to them in dividends on their savings and in the form of other services. A member may apply for a loan any time after they join the credit union.

Major considerations which determine the granting of a credit union loan:

1. Loan must be for a provident and productive purpose.

2. Character (good, fiscally responsible; stability).

3. Capacity (to repay).

4. Collateral (to show good faith, adequately secured).

All loans are recommended to be paid by Payroll Deduction.

Fast, easy borrowing from your credit union. It's called LOANLINER and it really works!

You complete one permanent application and return it with the credit agreement and Truth-In-Lending disclosure for our approval.

Then, when you need a loan, simply call, write, or stop in. We'll be able to process your request immediately so your approved advance can be granted in a hurry.

Your loan cost (finance charge) for a LOANLINER loan is the same as a conventional loan...there is no extra cost for this service!

Your credit union has arranged for credit disability insurance, as well as credit life insurance, to be available on your LOANLINER loan, because we think it's an important benefit for all borrowing members. Please consider it carefully.

LOANLINER--STREAMLINED LOANS FOR CREDIT UNION MEMBERS

                                       
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