We’re here to help (not judge).
If you get stuck in quicksand, it’s best not to move. If you feel stuck in debt, come see us. If unexpected financial events forced the use of high rate credit cards, payday loans (gulp!), or hocking a family heirloom to stay afloat (double gulp!), we understand. Consolidation loans help you pay less interest and fees and get out of debt faster.
- A variety of options
- Low rates
- Manageable payments
Steps to grow your credit.
Whether you are building credit for the first time or repairing credit, a credit (re)builder loan is guaranteed to help. It will help increase your credit score and help build better borrowing habits.
It is the policy of Altana Federal Credit Union to comply with all fair lending laws and regulations, including the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), the Fair Credit Reporting Act (FCRA), and the Fair Housing Act. In addition, the Credit Union adheres to federal regulatory agency fair lending guidance as set forth in the Interagency Policy Statement on Discrimination in Lending. Under the Equal Credit Opportunity Act (ECOA), it is illegal to discriminate in any credit transaction on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), applicant’s receipt of public assistance income, and/or the applicant’s exercise of any right under the Consumer Credit Protection Act.
Life events can cause financial hardship, making bill-paying difficult. You don’t want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.
MEMBER’S CHOICE™ Borrower Security is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. And, simple eligibility requirements ease the enrollment process.
If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), Altana Federal Credit Union will cancel or reduce repayment of your loan debt – helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:
• Loss of life, including those caused by acts of war
• Disability, including those caused by acts of war
• Involuntary unemployment