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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
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$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.
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.
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.
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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
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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.
4APPLY TODAY
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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