We prefer to go a little further than the usual assessment based on your credit score and gather your information based on these five key points:
1 ABILITY TO REPAY: Take the amount you’re asking for into sincere consideration. Will you have the means to pay it back?
2 STABILITY: How long have you been at your current job? Do you switch jobs often, or do you stay with one employer for an extended amount of time?
3 CREDIT: Have you been prompt with your scheduled loan payments? If you ever did have to skip a payment (hey, life happens), explain why you skipped and how many times it happened.
4 RELATIONSHIP: How long have you been a NavyArmy member? Which of our services do you use? What kind of experience have you had in managing your other financial products?
5 COLLATERAL: What will it cost you if you default? Tell us about everything you have on the line.
To help you get a better visualization of this steadfast belief we have in our members, take into account our current loan portfolio. It consists of 20 percent new auto and more than 27 percent used auto. That amounts to nearly half of our financial faith, and it’s in your hands in the form of transportation. One out of three vehicles in the Coastal Bend is on the road because of a NavyArmy loan. And best of all, most of those loans happened right at the dealership, saving members time and money. There’s a good reason we’ve had a 10.7 percent member growth over the last 12 months, tripling the state norm according to a peer-to-peer analysis by Callahan & Associates. A large number of coastal residents have felt the financial gain and stability of the Eagle Ford Shale, and we’re excited to help you begin the journey to long-term financial success. Our members are individuals who cannot be consolidated into numbers, and as a creative investor, we want to roll up our sleeves and do what we can to get you on the highway. It’s great having the seventh-largest credit union in Texas in the passenger seat, and it’s even better with you behind the wheel. About NavyArmy Community Credit Union
FAMILY LAW
• Divorces • Child Support/Custody • Modifications/Enforcements
CRIMINAL LAW • • • • •
Felonies and Misdemeaners Bond Reductions Revocation Hearings Expunctions Occupational License
PERSONAL INJURY • • • •
Oil Field Accidents Trucking/Auto Accidents Wrongful Death On The Job Injuries
ASK ABOUT
• Flat Fee Pricing • Affordable Payment Plans
NavyArmy Community Credit Union provides financial services to meet your goals, from checking and savings to auto loans and mortgages. If you live, work, worship or go to school in Aransas, Bee, Cameron, Hidalgo, Jim Wells, Kleberg, Nueces or San Patricio County, you are eligible to be a member. Visit us at www.navyarmyccu.com or call us at 361-986-4500 for more information. For more information, contact Ashley Smith, marketing director at the NavyArmy Community Credit Union, at asmith@navyarmyccu.com. I N S P I R E C O A S TA L B E N D M A G . C O M
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