Imagine if your local financial institution allowed you to be an owner, directed its profits back to its customers, offered the best rates on deposits and loans, provided the same conveniences as the big banks but without fees and minimum balances, and enjoyed a personal relationship with you.

For most people, November and December are among the busiest times of the year. But just because you’re attending holiday gatherings and parties, going to school programs and shopping for that perfect gift for your friends and family members doesn’t mean you have to put your search for a new car or truck on hold. Just don’t get so busy that you fail to do your homework before borrowing money for that shiny new vehicle.


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