The Golden Circle Credit Union is a non-profit organization dedicated to providing financial services to its members. It offers secured loans, savings accounts, deposit accounts, individual loans, payroll services, money market investment, securities, and other financial services. The Union offers direct financial services including loans, investing, deposit accounts, individual loans, payroll services, online banking, and various other related financial services. The institution is affiliated with several financial organizations including Bank of America, Chase Bank, Sun Trust Bank, Citibank, Bank of New York, Boston Mutual Bank, Key Bank, PNC Bank, Wachovia Bank, HSBC Bank, Fleet Bank, Sun Trust Bank, Capital One Bank, Key Bank, Fifth Third Bank, Branch Bank, MBNA America Bank, Fifth Third Bank, Fleet Bank, and CITIC Bank. The Golden Circle Credit Union was chartered in 1958 and is one of the twelve founding members of the National Foundation for Credit Unions (NFCCU).
The Golden Circle Credit Union is a member of the National Foundation for Credit Unions (NFCCU) and has been working hard to expand their services ever since their founding. They offer services twenty-four hours a day, seven days a week, so members are always able to be in touch with each other. There are many different ways to apply for a Golden Circle credit union loan. These include re-apply, online application, faxed applications, phone applications, e-mail applications, and virtual pay day loan applications.
The first option available to a Golden Circle member is re-apply. E-apply allows members to fill out an electronic application that is submitted to the union via Internet. After the application is submitted, the applicant will be required to provide his or her personal and banking information. Upon approval, the applicant can access a copy of his or her paycheck stub to verify that he or she is receiving all of his or her scheduled work hours. The process usually takes about forty-five minutes to one hour. If the applicant is unable to present his or her banking information within the set time frame, the application will be considered incomplete.
The second option available is online application. Online applications are often less lengthy than those submitted via e-mail. However, online applications are subject to review by the National Foundation for Credit Union Services before they are submitted. After approval, the applicant can access the benefits of the Golden Circle credit union immediately through the Internet.
Payment for a Golden Circle credit service is usually made in full at the beginning of each month, but there are some instances where a partial payment is needed before the end of the month. For example, if the credit member’s bill is more than the credit union’s minimum monthly payment. In addition, if the borrower has not repaid any loans or debts to the credit union by the end of the month, the borrower will not be eligible for membership. A borrower must also provide written permission from a customer or co-borrower before the loan or debt can be included on the credit application.
Another method of applying is through an online application. In this case, the application can be submitted as a paper or electronic form. Paper forms usually take longer to process because of the various requirements that must be filled out. It is then sent to the credit union for review. If the approval is positive, the borrower will become a member of the credit union.
The online application option allows the borrower to be able to make payments for the credit services whenever he or she chooses. There are no limits as to how many times one can submit an online application. Once approved, a credit account will be opened with the lender, which will remain active until the borrower pays the balance in full.
With Golden Circle Credit Union, one can easily become part of this network of lenders, which also offer information services and credit monitoring. One’s credit score may fluctuate from time to time, which is why it is important to monitor it. This service is provided free of charge to its members. There are also several credit unions across Canada, which are linked to one another.