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Here at Wanigas Credit Union, we are in the business of helping our members save money! We are excited to share with you the below Success Stories on how we have been able to make a difference in our members lives. 

Recently, a Wanigas representative was helping a member refinance an auto loan when she had noticed the member had another vehicle financed at another institution. At the time, the member was not interested in refinancing it. Later on, the representative did her follow-up call with the member, and she was able to explain to the member that she would be able to take his loan from 17.73% APR and bring it down 2.99% APR. The member was extremely grateful to hear that! The representative was able to refinance the auto loan for the member, saving him $194 per month on his payments. A total of $4,997 in finance charges over the life of the loan!

A Wanigas representative assisted a member with an Auto Loan and protected the loan with Loan Shield, Wanigas’ debt protection including life plus disability & unemployment. A few months later, another Wanigas representative assisted this same member with a Special Assistance Loan and also discussed debt protection options and the member chose to protect the loan again with life plus disability & unemployment. During the pandemic, the member called and spoke with a Wanigas representative about needing to come in and file an unemployment claim with CUNA because he had been laid off from his job due to Covid-19. CUNA began making payments that month and our member was provided with some financial relief when he needed it the most.

A Wanigas representative was recently helping a member balance her checkbook. The member was way off and very negative in her checking account. After reviewing her account and having a conversation with the member, the Wanigas representative found out that her husband, who handled all of the finances, had passed away. The member was behind on multiple bills so the Wanigas representative talked to her about a Home Equity Line of Credit (HELOC). The Wanigas representative was able to approve the member for a HELOC which took care of her behind bills, car repairs and new tires, paid off her vehicle loan and two credit cards. The Wanigas representative also helped the member set up auto pay, opened up sub accounts for bills, vacation and Christmas along with an Overdraft Protection of $500 for future emergencies.

After all was said and done, the Wanigas representative was able to lower the member’s debt-to-income ratio, saved her $24.00% APR in interest on the credit cards, and hundreds of dollars in monthly minimum payments. The member was very happy with all of the help she received and that the Wanigas representative freed up $600 a month for her.

A Wanigas representative was working with a member who was looking to purchase their very first home. She went out of her way to coach the member through the educational course required to qualify for Fannie Mae's HomeReady Program. The member was extremely grateful for the assistance. As the borrower was able to have a .25% reduction in her rate, $500 off closing costs, and reduced PMI. All by taking advantage of both Wanigas' First Time Home Buyer Program and the HomeReady Program. As an added bonus, the member-only had to put 3% down, and they were able to negotiate an additional $1,000 in seller concessions to further lower closing costs.     . 

A Wanigas representative contacted a member about refinancing two of his vehicle's over to Wanigas and save him money. The Wanigas member had a 2013 Chevrolet Malibu financed with another financial institution at 24.12% APR. The Wanigas representative was able to refinance the vehicle at 4.50% APR, saving the member $3,179.00 in interest. The member also had a 2016 GMC Terrain financed with a different lender at 9.82% APR. The Wanigas representative was able to refinance this vehicle at 5.20% APR, saving her member an additional $4,845.00 in interest. During the application, the Wanigas representative also discussed loan protection options and her member chose to protect both vehicles with Loan Shield, Wanigas’ debt protection, and Guaranteed Asset Protection (GAP Plus). We never want anything to happen to our members but we want them to be protected in the event that it does.

This Wanigas loan officer made a huge Wanigas difference in this members life by saving them over $8,000.00 in interest on their vehicle loans!

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