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Brenda literally delivers personalized service for these members!

I helped this member with a deposit and a payment on his personal loan, and while processing his transactions he informed me he still had a need for more funds. We talked about doing another personal loan, or maybe an equity loan since he was using it for home repairs and improvements. He was very interested, but didn’t have time to discuss the options so I offered to call him at a better time. When I called a day or so later he wasn’t available, so I left a voicemail and sent a follow up email asking him to call me back. Several days went by, so I called to reconnect with him and found out he did go through with another personal loan. Since I knew the equity loan could save him much more money, I explained the difference in the rate and loan amounts. He was still not sure due to the possibility of an appraisal being necessary, but after a bit more explanation of the cost savings he agreed to submit the equity loan application and he was APPROVED!

Heaven turns a simple transaction into a lower mortgage rate for this member!

This past spring a member came in for a simple deposit and withdrawal transaction, and as I was processing his request we were talking about how he wanted to do some renovations to his home. I said, “Wow, that’s awesome! Do you rent or own your home?” He said, “I own it.” I then asked if he thought about refinancing his mortgage for lower payments and use the equity to get cash for renovations. The member hesitated and said, “No I haven’t, but I will go ahead and think about it.” So I gave him a Mortgage info. sheet as well as our rate sheet so he could look over the rates and benefits of a Qualstar mortgage loan. The member took both sheets and left.

I did not hear back from the member directly after that, so I thought he had forgotten about it. But come to find out he liked what he heard (and read) and applied for his mortgage refinance shortly after we spoke. We were able to lower his payments, provide the cash for renovations, and his interest rate went from 4.25% to 3.25%! All it took was a simple conversation to plant the seed and help this member accomplish his goals – that’s what we’re here for!

Rosalinda to the rescue (from high rate debt)!

I recently spoke with this member on the phone about debt consolidation when I noticed she was making payments to other creditors. I asked if she had received the information we recently sent to homeowners about using Equity Loans to consolidate high rate debt, and she didn’t remember if she had received it. Therefore, I told her about our Equity Loan options and asked if she might be looking for a way to reduce her monthly payments, especially with the pandemic happening. She let me know she was interested in consolidating her loans, especially the ones with high interest rates, but she was not interested in an Equity Loan due to just recently refinancing her home loan. I told her we could also do a personal loan to consolidate her debt, as low as 6.99% for the interest rate. She was very interested and we did the application right then and there over the phone!

    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.

    Register Today!

    Webinar Registration

    Qualstar will be hosting weekly webinars every Tuesday, beginning late September through November – choose from topics such as Debt Repayment, Demystifying Mortgages and Predatory Lending.

    Check out the topics and schedule on our Financial Education Opportunities.