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Fast Cash:  Payday Loan Alternative

Payday lenders know that it often takes naïve borrowers a long time (and lots of fees) to figure out a simple fact:  If you didn’t have enough money this week, you probably won’t have enough to pay them back plus cover your other bills with in a two-week period.  A MVFCU Fast Cash loan is an alternative to borrowing from your already stretched paycheck.  If you are short on funds between paychecks, Fast Cash give you:  

*  Quick application process      

 *  Upfront application fee of $20

*  18% APR (Annual Percentage Rate)      

 *  Other restrictions may apply

*  $700 with up to 6 months to repay  

Fast cash offers you cash when you need it most… at an affordable cost.  

To get out of the payday loan trap for good, establish a savings account. Ask one of our Member Service representatives about savings options, including how to directly deposit part of every paycheck directly into your savings.  By putting your savings in a credit union account, you can resist the temptation to tap the funds when you’re short of cash.  That way, the money will always be there when a true emergency arises.  Call us today at 387-3055 .  We can help.

Could Your Wallet Use A Boost In Some Quick, Free Green?

Then simply invite a friend, relative, or co-worker to join Minnesota Valley FCU, and we'll give you FREE CASH!  Something as great as Minnesota Valley FCU shouldn't be kept a secret. Share the benefits of your membership with your family and friends and we’ll reward you with $35 in cash (if your referral deposits at least $2500 or takes out a loan of $2500 or more).  Remember, the person you refer must live, work, volunteer, worship or go to school in Blue Earth, Nicollet or Le Sueur Counties and any business located within or immediate family members wherever they live.  Contact us today to see how easy it is to earn some free green.  Call, stop by or log on.  

Refinance your Auto Loan

Getting the best deal on your vehicle can be stressful.  But getting the best deal on your vehicle loan can be stress free.  MVFCU’s low rates, flexible terms, and a speedy process take the stress out of getting the most affordable vehicle loan. MVFCU’s rates are already lower than those offered by most banks and dealerships.  Plus, you can save an additional 0.25% on your rate and receive up to $100 in FREE GAS when you refinance an existing loan from another financial with MVFCU.  Click here for details.

We're A Home Lender You Can Trust!

We have good news if you need a home loan--to buy, refinance, or tap home equity.                                                                                  

You've seen a lot of news about the slumping housing market and its effect on access to affordable mortgages. The headlines and news reports sound ominous. Read between the lines, and you see that this also is a time of opportunity.  Some lenders got into trouble with risky types of loans. And sadly, some lenders made loans that were not in the best interest of the borrower--just to get a loan on the books. The very good news is that Minnesota Valley FCU doesn't operate that way, so our ability to make home loans and serve members is in great shape.

MVFCU is a member-owned, not-for-profit cooperative. We don't make business decisions that benefit the bottom line but hurt the consumer. Frankly, it makes us your best source for home loans across the board:

* First mortgage loans to purchase or refinance

* Low .75% Origination Fee

* Free Pre-Approvals

* Home Equity Installment Loans and Lines of Credit

More good news: Home loan rates have rarely been this low. Call 387-3055 or stop in today to talk to one of our loan officers. We don't make headlines, but we sure do make home loans.

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NCUA $250,000 Insurance Limit Extended to 2013

President Obama signed the Helping Families Save Their Homes Act of 2009 (S.896) that includes provisions extending the $250,000 NCUA deposit insurance limit to December 31, 2013.

Last year when the financial crisis began, NCUA deposit insurance was temporarily increased from $100,000 to $250,000 until the end of this year to help boost consumer confidence.

The NCUA is the independent federal agency that regulates, charters and supervises federal credit unions. NCUA, with the backing of the full faith and credit of the U.S. government, operates and manages the National Credit Union Share Insurance Fund, insuring the deposits of nearly 89 million accounts in all federal credit unions and the overwhelming majority of state-chartered credit unions.

As a Credit Union member, you may maximize insurability through a combination of individual, joint and revocable trust accounts. Contact Member Services, 507-387-3055, for help anytime in organizing your family's accounts for best coverage.

 

 


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Minnesota Valley Federal Credit Union
1640 Adams Street  ·  Mankato, MN 56001
(507)387-3055 or (800)247-0522
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