My career as a credit union professional covers a span of more than four decades, and for most of that time I’m proud to say that I’ve been a member too. And to some extent because I’m immersed in the credit union community, I’ve taken for granted the good that credit unions do for their members in terms of offering products and services that assist them in achieving their financial goals and providing a safe harbor for their deposit dollars. But where we are in this day and time, I’m thankful for the relationship that I have with my credit union because aside from quality service and being more than just a number, the credit union is safe and sound and remains focused on returning the most value as possible to the membership. To that end, I bank with confidence with AFCU and so should you.

Speaking of value, it’s hard not to notice all the credit card offers that are floating around today. From one celebrity to the next, they tout the rewards feature of their endorsed credit card as the best deal in town. Well if you dare to compare, the AFCU Visa Platinum Credit Card and rewards program is ahead of the pack. That is, our industry leading 5-4-3-2-1 rewards program gives back more than the others, and when it comes to rates, finance charges, and fees in general, you come out a winner by carrying an AFCU Visa Platinum Credit Card in your wallet.

As the saying goes, you would have to have been living under a rock not to notice the rapid shift in market rates from all-time lows to the higher rate environment that we have today. During the lows, we saw a record number of members refinance their first mortgages and lock in a historical low rate. In my view, those loans are forever loans in that it’s going to take an extreme event for you to voluntarily give up that low rate. With new found equity in your home, the solution to protect your forever low-rate first mortgage is an AFCU Home Equity Line of Credit (“HELOC”). You can tap into the equity in your home with an AFCU HELOC and have the cash you need to remodel your home, cover educational expenses, or splurge a bit on yourself with a well-deserved vacation. The choice is yours and our AFCU HELOC is the tool to make those financial dreams come true.

While on the subject of rates, be sure to visit our website frequently and stay on the lookout for competitive promotional offers for your saving dollars. Our current offer for April 2023 is a Share Certificate with a 4.50% APR for five months. This is a new money only promotion and a great rate for a short period of time and gives you an opportunity to reap the benefits of potentially higher rates at maturity. If you have some extra cash looking for a home, this is the opportunity for you!

Let me close with a simple “thank you” in the most sincerest way possible, from my heart to yours. All the good that the credit union is able to do is made possible because of your continued patronage and trust in the credit union. While it might not be something that you think about, we as your credit union will never take it for granted.