Member Saving Stories

Brenda is 100% Committed to Saving our Members’ Money!


This member stopped by the Federal Way branch on Friday to refinance his auto loan in order to reduce his payments and save some money. While processing his application I saw he had other high rate loan and credit card balances, and knowing he was committed to saving money I mentioned the benefits of our two Visa Credit Cards. He said, “You’re right, but I do not want to do anymore work.” I told him I would take care of everything

Carol turns a member’s simple request into life-changing savings!


When this member called in and asked for her balances, I made sure she knew how awesome our Mobile Banking App is for account info. and all of the other features it offers. After we finished getting her set-up with online access, I asked if she had any credit cards with balances that might be good to do a balance transfer with 1% rebate to her Qualstar Visa credit card and she said, “Yes.” I let her know we may be able to save her some money

This happy member has less high rate debt and more money each month, thanks to Alejandra!


I was assisting this member with her auto pre-approval request and we were discussing how her last kid was off to college, which was exciting but a bit sad because her kids are all grown up now. She showed me a picture of her beautiful family, and was telling me how happy her life was at the moment, but she bought a car she didn’t like and was hoping to trade it in for a better one. While reviewing her auto loan application, I noticed she had quite a bit of unsecured debt and she said she was hoping to get caught up soon but it would take her a while to pay it off. She owned her home, so I asked if she had ever considered doing an Equity loan to consolidate all her debt into one payment. She was not sure about using her home as collateral, so I told her about the benefits of getting an Equity loan.

We calculated all of her minimum payments, which came out to about $1,100 a month! I knew with an Equity loan she would most likely pay less than half of that each month, and her credit score would give her a good rate. We finished up her auto loan, which was approved right away, and I asked if she had any other questions. She said no, and she was going to go home and think about the equity loan so I gave her some literature to read. The very next day she came in and wanted to apply for the Equity loan! She said she didn’t really need a new car, and she would rather work on getting out of debt. She was so happy I suggested this option to her because she had never thought about improving her financial situation. We were able to give her a $45,000 Equity loan to pay off ALL her debt only pay $385 a month – that’s WAY less than half of what she was paying! She can now breathe easy, with peace of mind that all of that high rate debt has been taken care of and she has more money in her pockets.

Taking care of man’s best friend turns into saving $1000 each month, thanks to Teresa!


This member’s original request was for a $2,000 loan, but his application was denied because of too much existing debt. After receiving that decision, he called back with questions and I was the one who spoke to him. After I answered his questions, and learned the original loan was to pay for his dog’s surgery, I checked on the value of his home and offered to see if an equity loan to consolidate his high rate debt would be a good solution. He liked that idea, so we got started on his equity loan application. When the approval came back, I noticed a full pre-paid appraisal report would be required. I knew he wouldn’t have the amount needed to pay for the report, so I quickly came up with another option to help take care of it. I created an additional application for a Personal Line of Credit, and noted the funds would be used to pay for the full appraisal report, pay off an existing auto loan with us, AND there would be enough left to pay for his dog’s surgery. When I submitted it for a decision, the application came back APPROVED! When I called him back to explain what we could do, he happily accepted the Personal Line of Credit deal to take care of those few expenses, which put him in a better situation to get an equity loan to pay off his other high rate debt.

The appraisal report came back a couple of weeks later, and the $100,000 Advantage Equity loan funded shortly after that. We were able to pay off another existing auto loan and paid off ALL of his (and his wife’s) unsecured credit card debt. We lowered their total monthly payments by over $1,000.00 and he will no longer be struggling to pay all of those individual credit card balances here & there. And most importantly, his dog is doing GREAT!

Matt’s Journey with This Member Ended with SAVINGS of OVER $20,000!


Back in May, this member came in to do a couple transactions and I saw she was pre-approved for a Gateway Line of Credit. Talking about it with her, it became apparent a Gateway was not what she needed so I started to give her information about our other loan options. We passed by credit cards, autos, personal loans, and we ended on home equity loans – Ivonne assisted me with giving the member all of the necessary information.

Kelsey knew this member just needed someone to give him a chance...


This member needed to do dispute as a result of some fraud on his account. I could tell that he was upset so I wanted to make sure we got everything done in a timely matter. I looked at his account I noticed he only uses us for his Vacation Funds. I started chatting with him and asked where his primary institution was and he said, “a different credit union.” I could hear in his voice he wasn’t too happy with them, but he was dealing with it. I asked if they treated him well and he said he guessed they did. I asked if he had any loans with them and he instantly laughed and said, “That will be the day! They won’t even think to look at me with my credit score.”

Deborah takes another look and finds a solution to this member’s debt situation!


A few months back this member called to request a $10,000.00 personal loan for home improvements. She had recently inherited some property with a mobile home that she wanted to fix up and sell. After starting the application, it was clear she wasn’t going to be approved because she had an extremely high debt ratio so the request was cancelled. She has been a Qualstar member for a very long time and is now a small business owner with lots of credit card debt.