The Credit Union is available to assist with budgeting and correcting credit reporting errors.
Our focus is not on profits, but on fair, quality service.
All lending is limited to members 18 years of age or older who reside in North Carolina, South Carolina, Georgia, Tennessee and Virginia.
Loan Officers are available at most branch offices to meet and discuss applications with members, and can usually provide an answer to the loan request the same day.
The Credit Union provides quality service to our members by offering lower costs on financial services and providing all members with the same services and the same rates.
If the Credit Union is unable to approve a loan, members are entitled to and will receive an explanation of the reasons why the loan cannot be approved.
7, effective August 6, 2014, and applicable beginning with the 2014-2015 school year.
115C-238.29A through 115C-238.29L: Recodified as Article 14A of Chapter 115C, G. 115C-218 et seq., pursuant to the authority granted to the Revisor of Statutes in Session Laws 2014-101, s. 14, effective 30 days after the last school administrative unit on the priority list established in 1988 by the Commission on School Facility Needs is funded. 2, effective for a local school administrative unit when the unit is certified as being E-Procurement compliant, or April 1, 2004, whichever is first.
Filing bankruptcy usually prevents a member from borrowing additional money and if the Credit Union has incurred a loss resulting from the bankruptcy, then a loan would not be approved under any circumstances.
115C-238.29A through 115C-238.29L: Recodified as Article 14A of Chapter 115C, G. 115C-218 et seq., pursuant to the authority granted to the Revisor of Statutes in Session Laws 2014-101, s.
The Credit Union's debt/income percentage guideline should generally not exceed 43%, but the ratio may be higher based on a member's individual circumstances.
Disposable income is available income remaining after paying taxes, monthly debts and legal obligations.
Credit history provides an insight into a member's willingness to repay obligations.