The goal of each Financial Health Center is to serve our members. By finding ways to streamline day-to-day transactions, our team is able to spend more time with our members and have more meaningful conversations.
We frequently hear stories from members about how the Financial Health Centers are making a difference in their lives.
It is Never Too Late
You are Not a Loan
Coming to the United States
My First Home
Focus on Financial Health
As a physiotherapist and clinical social worker, I have spent my life helping others; this has always been my passion. It wasn’t until recently that I started to worry about retirement. I make a comfortable living, but don’t have a budget and I have never set money aside for savings. Now in my early seventies, I am looking for help and guidance for myself.
Embarrassed to talk about my predicament, I turned to Credit Human. It’s in my neighborhood and I felt that if anyone could help me, without placing judgment, this would be it. The Member Relationship Specialist really took the time to get to know me, to learn my story and what is important to me without making me feel like I should have done things differently.
First we set out to determine my spending habits. Learning where my money was going was a huge eye-opener. It made me take a look at the big picture and decide what was most important to me. I was given tools to track my spending, we allocated share accounts for specific purposes and I was introduced to community partners who were able to assist me with tax and retirement questions.
With the help and guidance of Credit Human, I have made strides with my savings goal. I have stuck to my spending and savings plan and am able to see my progress. If there is one thing I would share with anyone about Credit Human and the Southtown Financial Health Center, it’s that it truly is judgment-free and an encouraging atmosphere with people who really want to help others with their financial well-being. Whether you are seventeen or seventy, it’s never too early or too late to get on the right path to financial health.
“Mr. and Mrs. Powers” became members of Credit Human 47 years ago in 1971. They are full-service members with direct deposits from Civil Service Retirement, VA, Military Retirement and Social Security. Throughout the years they have had several loans with Credit Human.
The Powers applied for a personal loan to pay off a car they had financed through Chase Bank. The vehicle had been totaled in an accident and there was a shortage of about $4,300 after the insurance company issued a payoff check. The Powers wanted the loan to cover the difference. Once the loan application was reviewed, the application was declined, owing to slow pays and a charge off.
The Powers reached out to a Member Relationship Specialist at the Financial Health Center once they learned that their loan had been declined. They shared that they really needed the loan because they were in the process of purchasing a vehicle to replace the one that was totaled. The Specialist reviewed the members’ account history and contacted the Originator to ask them to reconsider the members’ request because of their relationship with Credit Human.
Upon reviewing the loan, the Underwriter made a counter-offer of $2,000. Knowing that $2,000 was insufficient to help the members with their financial need, the Specialist once again reached out to the Originator and asked to escalate the application to the Origination Manager. The Specialist explained the members’ hardship and their long-standing relationship with Credit Human. The Origination Manager took the members information and informed the Specialist that she would review the details with the Underwriter and follow up. Within an hour, the Manager called and stated that the loan would be approved for $4,000.
The Specialist contacted the members to let them know that their loan application was approved and that they could close on the loan on the next business day. Mrs. Powers was overwhelmed with joy and both she and her husband were extremely appreciative. They are both grateful that they are not just a loan.
Coming to the United States, I opened my first account with a large, for-profit bank. I quickly learned that a good portion of my extra money would go toward fees the bank charged in order to have my savings and checking accounts with them. I had a lot of questions about building credit, but they were uninterested in answering my questions. I felt lost.
Walking into the Southtown Financial Health Center was like walking into an art gallery. I was greeted by friendly faces who wanted to get to know me, to hear my story. Not only did they help increase my knowledge about financial services and tools, the Member Relationship Specialists provided me with options. They explained the differences between a bank and a credit union and offered me services that I could afford, explaining each one in detail. With their assistance I was able to create savings and spending plans. Trusting their experience and knowledge, I have also started the process of building my credit. I now feel like I am on the path to a better financial future.
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Credit Human helped to pull me out of the weeds as I was trying to purchase my first home. I remember that Saturday in October of 2018 when I ﬁrst walked into Credit Human and Daphne Rodriguez greeted me with a smile. She listened to my needs, advised me on how Credit Human could help, and connected with me on a personal level, which made the experience that much easier. Even after my appointment, Daphne made sure all my questions were answered, my apprehension had dissipated, and the process for opening my new line of credit was going smoothly. By December, I had purchased my ﬁrst home! I am so thankful to Credit Human and Daphne for their quick response and their willingness to help me!
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Evie and Mark share a passion for capturing special events and moments in people’s lives through photography. This passion is what made the two fall in love and go into business together. Evie and Mark have had the pleasure and good fortune to have worked with many famous musical artists throughout Texas.
As their business continues to thrive, they are finding it challenging to differentiate between business and personal income. During our discussion, we were able to find out what was important to them and proposed options to help them reach their financial goals. To organize their finances they decided to open additional sub-accounts. Now they have the appropriate accounts to separately manage their personal and business finances. Evie and Mark travel to San Antonio to promote their brand and visit family often. The Southtown Financial Health Center is always one of their first stops. “We look forward to visiting our Financial Health Center – it’s trendy and has a nice urban vibe. It makes us want to move back to San Antonio,” Evie shared.