Credit Unions - Once Again Beat the Banks!

A new national survey by Bankrate.com has found that credit unions, on a national average, provide better deals to their customers for many types of loans and investment products than do banks.

For example, new and used car loans, second mortgages, home equity lines of credit, and credit cards are items in which the credit unions consistently beat the banks. In doing so the credit unions are again proving their worth to their shareholders and customers.

Not all credit unions provide the same products as do banks. As a point of fact, ATDFCU tailors its products to reflect membership desires for the highest possible returns. Therefore, ATDFCU does not offer credit card services, ATMs or checking services in order to provide both a better rate of return for investments and lowest rates on loans for borrowers.

Some examples might be in order...
In California, banks surveyed charge from 5.832% Annual Percentage Rate (B of A) to 8.9%APR (Wells Fargo) for a $25,000, 15 year fixed rate second mortgage... and some have additional requirements like deferred loan application fees and electronic transfer mortgage payments that considerably increase the cost of a loan. ATDFCU doesn't engage in those types of practices, preferring instead to make the loan in a straight-forward fashion, without a lot of "catches". And by the way, ATDFCU's current rate (available until December 31st, 2006) for variable rate second mortgages is 7.00% APR.

Car loans are another popular service you expect from your credit union, and once again they deliver! Nationally, for a new car loan of $16,000 (48-month term), credit unions betters the banks by an average .60% (8.41% vs 9.01%). ATFCU beats the national credit union averages by a wide margin, offering its members a rate of 5.00% for a similar loan.

In short, often the very best in value and service are tried and true friends, those at the ATDFCU! The paperwork is held to a minimum, and processing of your loan is done quickly by people you know and trust. How many banks can you say that about?

Experience the incredible personal service each and every member gets from your credit union. Try it yourself when exploring ways to free up cash and reduce monthly bills... call your credit union at 408-365-4444!

With rates starting to rise from all time record lows, your Credit Union can offer you some of the very best in variable rate second mortgage rates - currently 7.00% ANNUAL Percentage Rate, available until Deceember31st, 2006, and unparalleled ease of application.

Why a variable rate second mortgage? Read on and discover the benefits available to homeowners. As a homeowner, a variable rate second mortgage is a means by which you can use the value of your home to save you money. The loan can allow you to consolidate the balances of a number of existing bills and debts into just one loan... and one monthly payment. The beauty of this is that high interest credit card balances, for example, may be paid off with a loan having a considerably lower interest rate, which saves you money every month! And the difference in your monthly payment can be astounding!

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