Wan Luk a Komyuniti Fost Kred-Yunyan Limite (CFCCU)
In Antigwa an Babuda, wen yu di tink bout moni an weh fi kyan get help,
Fram 1989, CFCCU ton wan "open-bond" Kred-Yunyan. Dat mean se no matta weh yu di wok, weh yu di liv, ar weh yu di do, yu kyan stil bi wan memba. Dis mek dem riili di lib op tu dem neym, "Komyuniti Fost", bikaaz dem di luk out fi ol' di pipul dem in Antigwa an Babuda. Di Kred-Yunyan na di memba dem own it, an evri yier dem di av wan big mitin (Annual Jenaral Mitin) weh evri memba gat wan vwot. Dat a di truu minin a ko-oprativ – di pipul own it, di pipul run it.
Di main ting dat CFCCU di do na fi prumot se pipul shud sev dem moni, an fi len out moni wen memba dem need it fi somting gud ar fi mek mo moni. Dem di help ol' kayn kayn pipul: tiicha dem, nohs dem, gobmen wokaz, professhonal, smal biznes ownaz, an enibadi else weh di liv in Antigwa an Babuda. Pipul lak Misita Kaal Spensa weh na di Jenaral Manaja, Misiz Anjela Peyne weh na di Loans Manaja, an Misita Shawn Meyl weh na di Prezident fi di Bod, dem ol' di wok had fi mek shur se CFCCU di ron gud an di help di memba dem.
Sèvis Moni-Len an Chaj di CFCCU
CFCCU gat wan big selekshan a moni-len fi meet ol' kayn kayn needs. No matta if yu need moni fi wan personal ting, fi yu haus, ar fi yu biznes, dem gat somting fi yu:
- Personal Sajnicha Moni-Len: Dis a fi wen yu need smal moni fi yu personal needs. Yu kyan get op tu EC $15,000, an fa dem wan, yu kyan ivin get it wid no dipozit.
- Haus Impruvment an Konstrashan Moni-Len: If yu di plan fi bild wan haus, ar fi fix op di wan yu gat, CFCCU kyan help yu. Yu kyan get op tu EC $50,000 fi dis kayn a len.
- Viikl an Ekipmen Moni-Len: Yu need wan nyu kaa, wan van, ar som big mashin fi yu wok? Dem kyan len yu di moni fi dat tu.
- Edukayshan Moni-Len: If yu ar yu chilren need moni fi gu skul, ar fi go to kolij, CFCCU gat speshal len fi help wid di bwik an di fes dem.
- Det Konsolideyshan Moni-Len: Dis a fi wen yu gat tu many smal-smal dets an yu wud laik fi put dem ol' tugeta in wan bign len, so yu onli gat wan peyment fi mek evri mont.
- Ritairment an Vakeyshan Moni-Len: Wen it taim fi rest ar fi gu wan trip, yu kyan get moni fi dat tu.
- Biznes Lain a Kred an Tohrm Moni-Len: Fa smal biznes ownaz, CFCCU kyan prvaid moni fi help yu bizinis gro, weh yu kyan get wan lain a kred, ar wan tohrm len. Minimu fi wan lain a kred a EC $10,000.
Intres Reyt, Chaj, an Tohrm
Di ekzak intres reyt dem an di tohrm dem fi di len di chenj. Di Bod a Direktaz fi CFCCU di set dem evri yier, an it di dipen pon di kayn a len yu di get, how lang yu di tek fi pey bak, an how risk it luk. Dat's wai it alwez gud fi yu go vizit dem ar kaal dem fi get di mos op-tu-det reyt dem. Fa personal len, yu kyan get fram 12 tu 60 mont fi pey bak, an fa haus len, yu kyan get op tu 120 mont. Biznes tohrm len kyan bi op tu 36 mont.
Wiles dem di proses yu len, yu may av fi pey wan smal chaj. Dis chaj di chenj dipen pon di kayn a len an how much moni yu di len. If yu mis wan peyment, dem kyan chaj yu EC $25 fa late peyment. Di gud nyuz na se fa mos a di len dem, dem no di chaj yu no penaalti if yu wud laik fi pey bak yu len bifo di taim finsh.
Fa som len, yu may need fi put down wan kash dipozit as sekryuoriti, ar yu may need wan garantor (wan persn weh di agri fi pey if yu kyan't). Fa biga len lak fi kaa ar haus, dem may aks fi di til a di kaa ar di dipiz fi di land as kolataral.
Haw fi Aplai, di Aap, an Di Lwa
Aplai-in fi wan moni-len a CFCCU a wan straytforwad ting, bot it di tek som prepereyshan. Di main way fi aplai a fi go in-branch, a di Old Pahram Rod lokayshan ar di Tounhaus Plaza branch. Wiles dem gat wan websait wid foahm, fi aplai fa len, yu stil need fi go in-branch fi mek shur evriting koret. Di mobil aap, "Kredgo" bai CFCCU, na fi check yu balans, transfer moni bitwiin yu akaunt, an download steetment. It no fi aplai fa len yet, bot dat may chenj in di fyuucha.
Di Tingz Yu Need fi Aplai (KYC)
Wen yu di aplai, yu need fi bring som impohtant dokyument dem so dem kyan no se yu na di rait persn an yu kyan reely pey bak di moni. Dis na weh dem di kaal KYC (No Yu Kliant). If yu gat wan job, yu need:
- Wan leta fram yu job
- Two peyslip
- Yu Soshal Sekryuoriti kaad
- Two ID wid yu pikcha pon it
- Pruf a weh yu di liv (lak wan yutiliti bil)
- Pruf a yu imigrayshan status (if yu no born in Antigwa)
- Yu vwotaz ID (if dem aks fi it)
- Somtaimz, wan garantor ar wan kash dipozit
If yu na wan self-emplaid persn, yu need fi bring yu bizinis laisns, an dokyument weh di show how much moni yu di mek fram yu bizinis, plus di seym ID an adres pruf dem. CFCCU gat dem own way a luk a yu moni histeri an how yu kyan pey bak bifo dem desaid fi gi yu di len.
Di Lwa an Haw CFCCU Di Wok
CFCCU na wan legitemit an wan wel-ran fi-nanshal instityushan. Dem di laisns bai di
CFCCU Pozishan in di Maakit an Advais fi Yu
In Antigwa an Babuda, CFCCU na wan a di bignaz in di Kred-Yunyan wok, wiles Sent Jons K-oprativ Kred-Yunyan na di adah bign wan. Tugeta, dem two di akount fi mos a di moni an di memba dem in di Kred-Yunyan sektar. CFCCU stand out bikaaz a how dem gat so many kayn a len, di opthan fi no dipozit len, an how dem di run di Kred-Yunyan wid di komyuniti in main. Dem ivin mek it iezi fa non-nashonal dem fi bi memba. Dem di gro, dem did ivin open wan nyu branch a Tounhaus Plaza in 2019, an dem di expan dem ATM netwok.
Wat Pipul di Se an Advais fi Yu
Wiles it no so iezi fi fain aafaishal onlain rivyu, memba dem di ripoht se dem satisfaid wid di sohvis. Di main ting weh pipul somtaimz grumbl bout a di taim it di tek fi get wan len apruv, an somtaimz yu may stil need wan dipozit fi som len. Bot in jeneral, di Kred-Yunyan di help a lot a pipul wid dem skul an biznis dreams. Dem di gi gud sohvis in-branch, bai telefon, an bai imeyl.
If yu di tink bout tek wan moni-len fram CFCCU, hier som advais fi yu:
- Alwez aks fa di mos kurent reyt dem: Di intres reyt dem kyan chenj, so alwez aks weh di reyt a rait now.
- Read di tohrm dem gud: Mek shur yu andastan ol' di ruul dem, di chaj dem, an how yu supos fi pey bak.
- Prepere yu dokyument dem bifo yu go: Di mo yu prepere, di mo fas yu aplaikeshan kyan go tru.
- Aks kwestyan: If yu no andastan somting, don't fraid fi aks di staf dem. Dem de de fi help yu.
- Budjet yu moni gud: Befo yu tek wan len, mek shur yu kyan reely afohd di peyment dem evri mont wid out no probm.
Komyuniti Fost Kred-Yunyan Limite a wan bign an trusworti plies fi yu moni needs in Antigwa an Babuda. If yu di luk fa wan bign range a len an wan instityushan weh riili di put di komyuniti fos, den CFCCU a wan gud opthan fi yu.
