Member is purchasing a new home
Member has higher rate on existing Auto Loan
Member has high interest loans or needs to lower their monthly payment(s)
Member has higher rate on an existing mortgage
Member is interested in rewards
Fixed, Longer Term Need
Member has short-term cash flow need
Member needs to build credit
Member needs additional cash or a restructure of payment on existing mortgage
Member is concerned about how to pay for kids college expenses
Member has equity in home and wants to consolidate longer-term debt at a low cost
Member needs to finance an expense that can't be used as collateral
Member intends to buy new or used car
