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The Column - August 6, 2020OUR VISION, OUR PROMISE We are people helping people build their futures and realize their dreams. It is a simple statement but summarizes our staff’s commitment to you, our members. Our desire is to do everything within our power to help you achieve financial independence. If there is something missing from our services that would make your life easier please let us know. We cannot promise to meet every need, but you do have our promise that we will make every attempt to do so…and without fees and service charges! DON’T BE A MULE!! According to FinCen, a money mule is “a person who transfers illegally acquired money on behalf of or at the direction of another.” Money mule schemes, including those related to the COVID-19 pandemic, span the spectrum of using unwitting (the majority of cases in Boulder City), witting, or complicit money mules. An unwitting or unknowing money mule is an individual who is “unaware that he or she is part of a larger criminal scheme.” The individual is motivated by his/her trust in actual romance, job position or proposition. Be wise, assume bad intentions when money is involved, and do not become a money mule! If you do, a mule by any other name is an a_ _! 10-YEAR AND 15-YEAR MORTGAGES ARE NOW AVAILABLE AT BDCU We are proud to now offer shorter term mortgage loans with lower fixed rates. Currently we offer a 10-year mortgage loan at 3.75% and a 15-year mortgage loan at 4.00%. All loans must be first-trust deeds secured by the member’s primary residence. For additional information please contact any of our Loan Officers at 702-293-7777. A FAVOR FOR OUR MEMBER SERVICE REPRESENTATIVES (aka TELLERS) Over the last 35 years I have had the opportunity to visit and work with many financial institutions around the country. In all these experiences I have yet to find a front-line staff that comes even close to the incredible group we have working our front line. Our “tellers” can complete almost any transaction you request and do it with a smile, compassion, and a genuine care for doing it right. From that group comes one simple request to make their job easier. When coming to the Credit Union (or having someone come in your stead) please have your account number available for the transaction you wish to complete. Whether it is memorized or written down, the chances for error are reduced substantially if the exact number is provided in advance. Accuracy is one of our pillars for success and this simple favor can make a big difference! AUTO LOANS We continue to generate the highest volume of auto loans in our history. This trend began with our introduction of very competitive fixed rates for new and used automobiles. Currently our rates for new autos is 2.99% (2.99% APR) and for used is 3.99% (3.99% APR). Our rates are very competitive, but it is our personal service that makes our loan program second to none. Our loan officers are concerned with how much you can afford and if the car you are buying is a “good deal”. If you are in the market for a new or used auto, please do not overlook your Credit Union. What is best for you is our greatest concern! WORDS OF WISDOM Integrity is choosing courage over comfort; choosing what is right over what is fun, fast, or easy; and choosing to practice our values rather than simply professing them. - Brene Brown
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