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Aileen showed this member the money…and put it back in his pocket!

I was helping this member with his RV application, and I told him we could refinance his auto loan at another credit union for a lower rate. He was definitely interested, so he gave me some information about his vehicle and said, “Show me numbers before I decide.” I ran some projections and was able to get his interest rate lowered from 5.79% to 2.99%. When I emailed him the numbers, he said he will pass since the payment didn’t change very much. I replied to remind him he also qualified for a 90 Day No Payment and his next reply was, “Call me!” When we spoke, he let me know he is trying to pay off another auto and if we do 90 Day No Payment on his refinanced loan, he will be able to pay that off before he starts paying us. I said, "I can make that happen!” and we even added our lower-cost GAP to the loan!

In addition to the auto refinance, we discussed consolidating some of his other high rate debts, specifically a personal loan. He was hesitant to get another loan because he was wanting to pay off the other credit union auto loan first. I explained how we could do one personal loan at a lower rate in order to combine BOTH of the other loans he wanted to pay off. We went over some more projections and he agreed it was a good idea, so we submitted the application to cover both loans and he was approved! His previous monthly payment for both loans was $945.00, and his new Qualstar loan payment is only $445.00 – a huge savings $500 a month! By combining his loans at a lower rate and extended term, he now has one lower payment instead of two and the convenience of having all his debt in one place!

Octavia gave this member a lower rate, great service, and a PLAN!

When this member came in to the Tacoma branch, I realized he only had a savings account and I offered to open a Simply Checking so he could have a Visa Debit Card. I also noticed he had been making regular payments on his Gateway Line of Credit for over a year, so I asked about upgrading him to our Visa Gold Card in order to lower his rate and give him more access. He agreed that would be great to help him save some money.

Mark left no stone uncovered to make sure this new union member had ALL the savings!

I reached out to one of our new union members, who set up his Online Services and had even done a check deposit using the Mobile Banking app. But, because he hadn’t yet upgraded his Vacation Fund account, the full deposit was not immediately available in his account. I confirmed he was eligible to upgrade to a Simply Checking, so he would have more access to his deposits and the ability to transfer funds to and from other bank and credit union accounts quickly and easily. When I explained all of this to him, he agreed upgrading his account was the way to go!

    Don’t Fall Victim to Fraud!


    With everything going on these days, the last thing you need is to become a victim of phishing, identity theft, fraudulent transactions, or just plain, old theft of your hard-earned money. You are the first line of defense when it comes to keeping your money and personal information safe, so make sure you know what to do (and what NOT to do) in order to prevent it from happening to you.

    For helpful information and resources, please visit our Fraud Tips.

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