We are pleased to announce that our Credit Union uses a Managed Risk Program to help as many members as possible obtain credit. We realize that some of our members have experienced some difficulty with their credit in the past and as a result, we or other lenders may have rejected their loan request forcing these members to pay extraordinarily high rates elsewhere. Our goal is to help as many members as possible under our Managed Risk Program achieve their credit needs. The way our program works is that the rate a member pays will be determined by their credit history. Members with good credit histories will receive our very best rates, some of the best rates offered by any other lender.