Lower Loan Rates On February 1, 1999 we initiated our Managed Credit Program. This has enabled the Credit Union to drop our rates substantially. Our managed credit program determines the loan rate that a member pays by analyzing their credit history. Members with good credit history will receive our very best rates — among the best offered by any lender! Other members, who may have had past credit problems, will be assigned rates consistent with their credit history. Many times these rates will still be lower than the rates they may be paying with other lenders.
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