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TRUITY CREDIT UNION · One on One With a Professional

• 0:01
  Good morning, good morning, good morning, and welcome, welcome, welcome.
• 0:03
  It is time now for one on one with the pros. And I
• 0:07
  got to tell you we got the pros and they know a few things and
• 0:09
  we're going to be talking to them today and they're from a Trudy Credit Union.
• 0:13
  And I want to make sure that I get that nice little logo in
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  the camera just right there we go. Life's a beautiful thing, isn't it.
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  There there we are, and once again we have Becky Gaily, who's
• 0:24
  senior mortgage development director, and Paika. And please forgive me because I am
• 0:31
  having a difficulty pronouncing your last name. It is Abradovich. Very good,
• 0:38
  Yes, sir, I should have known. I've lived in the Chicago area.
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  There's so many people with that last name when I was and you're the
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  vice president of mortgage servicing. So welcome you both to the show here today.
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  Beautiful day is always here in Bartlesville, especially when you guys show up
• 0:55
  here. The rates. Tell us about the rates. I hear we got
• 0:59
  good news about the rates. Kind of kind of yeah. I think they've
• 1:03
  stabilized, they've kind of flattened out. They're still up higher than they have
• 1:08
  been in the past. But the good thing is they're not really increasing right
• 1:14
  now. Well that's a good thing. That's a good thing. And I
• 1:15
  understand that the market is very active right now. How active is it?
• 1:19
  It is getting more active than what he was. And Becky can definitely speak
• 1:26
  to that is turning green. So people are out and looking and buying,
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  and yeah, it's getting busy. You know something it does that somebody will
• 1:34
  spend a winter in their home and they say, that's the last winter I'm
• 1:38
  spending air. Yeah, and then they want to look for something fresh and
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  new. And folks really sometimes they don't put their houses up in the winter
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  time. You know what people trounce throughout bringing the blood and stuff. Yeah,
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  but boy, I tell you what, you get that first with a
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  spring open houses like crazy. Yes. So I imagine it is active,
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  active, active. And when it comes to getting a mortgage, getting it
• 2:05
  at a credit union is probably your best bet. I think, so.
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  Biased a little bit, a little bit, tell us a little bit about
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  the difference between your competitors and yourself. I think the main difference with everybody
• 2:17
  else in Truity is that really Truity is competitive on the rates we always offer
• 2:23
  the best rates we can. And also we only charge our fees, I
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  guess you could say, is only what it costs to do a mortgage loan.
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  We don't have any junk fees that go into the lenders' pockets. We
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  really just try and be the best for our members as far as financially goes.
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  And once again, you know you're the only local lender, aren't you.
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  When it comes right down to it, the money that's used is the
• 2:50
  money made here? Yeah, absolutely. I mean it's not just local lender
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  from the lending perspective, but also from the servicing as well. And I
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  think that's definitely a rarity in our industry to have both lending and servicing being
• 3:04
  local. And the advantage to our members is, you know, mortgages are
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  probably one of the most complex loans and you know, the more important loans
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  that they will get in their life. And to have a dedicated team here
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  in barterleswell for our members that can answer questions over the phone or get face
• 3:23
  to face meetings where we can explain certain things or those complex things that are
• 3:28
  kind of connected to a mortgage loan. It is really a unique experience and
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  a unique benefit that our members do have, and we're very we take a
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  lot of pride in being able to provide that to our membership. Oh my
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  goodness says that. It's absolutely amazing. And when we think about all of
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  that that goes into it, you got to feel like you're safe because you're
• 3:52
  dealing with hometown people and every bit of that business is being conducted right here
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  in your stay at a hometown. We're real people. We live here,
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  we work here, we play here, and so I think that's special too.
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  When you're getting a mortgage with Truity, you're working with your community.
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  Oh indeed, indeed, And of course we've been here a long time.
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  Trudy was birthed basically right here in Bartlesville with a handful of ladies exchanging quarters.
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  Yep, a long time ago. So with that history, it's it's
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  really something else. Now you have the beautiful facility downtown, but I understand
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  you have another one just down the road a little bit on Washington. Yeah,
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  Washington South, we call it Wasso. Yeah, there you go.
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  I'll tell you what. It's beautiful. It looks like, you know,
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  you've done a lot of work to it, and boy, brand spanking new
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  have the new driveway looks good. Yeah, a lot better. You've got
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  a lot of new toys down there too, with your automatic. Yeah,
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  it's called that I t I am itm interactive teller machines, and I think
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  it's just going to look better and better in the future because we are investing
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  in our facilities heavily and you know, making it better and more accessible to
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  our membership. I know I went a little bit off course on that one,
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  but I saw that and I'm like, go, well, darn,
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  that's golf and it seems like it's you know, it's kind of neat when
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  it pops up right here in your own home towns. Well, yeah,
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  I like that. Bartlesville, look at it now. It is good.
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  Servicing is local and and all servicing, but everything you do is local,
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  and that is really a good testimony is to feeling safe, feeling secure,
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  feeling confident in the people you're doing business with. It's nice to know,
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  like when you are getting a mortgage loan, that all hands that are involved
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  in the mortgage are all right there together, so we were all in the
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  same floor, from me the originator, to the processor to the underwriter.
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  And then when the loan closes, you're you're always going to deal with Truity,
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  so you're there for the entire process, right absolutely, so again truly
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  takes care of the lending process obviously on the lending side and Becky's processing,
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  and then once you're completely done with finally getting your mortgage loan and getting into
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  the house that you want to get, you do have a dedicated mortgage servicing
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  team that is on the same floor, and we are obviously in constant communication
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  with the lending side as well. So if there's you know, if members
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  feel more comfortable reaching out to their mdo just because of the relationship that they
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  have established, they absolutely can do that and then will chime in and help
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  on the backside with whatever is needed. That's teamwork to the hill, isn't
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  it. Yes? Absolutely? What is it? Teamwork? Teamwork makes the
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  dream work. Yes, teamwork makes the dream work. I like that.
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  Yeah, got all kinds of cool stuff going on down there, Truity Credit
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  Union of course right here in bartles Will. But you also have some new
• 6:59
  satellite of locations in Kansas now these days. Yeah, you have how many
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  popping up like popping up like daisies. Yeah, that's really kind of cool
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  to know that it's growing. We are. But one thing I can say,
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  I am I'm a customer, so you know, a member, I
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  know how this feels, I know how it's worked. It's just a feeling
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  of security and you know you're not going to go wrong. You're not going
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  to get a letter from New York or LA or Chicago or somebody you don't
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  know asking questions of you. You're going to get it from somebody you do.
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  Know. One thing I like about the folks at Trudy, I see
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  you all at just about everything that goes on in town, whether it's a
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  sporting event, whether it's the child our activities with our kids at school,
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  and maybe it's just a fun event. Downtown truity Is usually has a few
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  of its members actively participating in the fun in the fabric of our community,
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  which is really a good testament. Yeah's favorite part of the job is being
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  out in the community and getting to play and yeah, always doing something.
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  Now, oh yeah, keep you on your and I'll just I mean appreciate
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  you being the member and appreciate your feedback on you know, the business and
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  the world that we're conducting here. And like Becky said, we're here to
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  live, we're here to play, and you know, this is our community
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  as well, and we are happy to come or to try to make it
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  a better place for all of us to live. You know, I understand
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  we've got some folks that are going to be moving in because our community and
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  our partners and our job providers have done a wonderful job of bringing a new
• 8:43
  business to Bartleswell. Pretty soon, we're going to have some new workers from
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  a new company called Blue Whale, right and then we're going to have some
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  other folks coming in for a big electric company that's coming into tab abb Is
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  bringing in a whole ton of folks. And so if you know, if
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  you're here in town, folks and you're just listening to our voice, take
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  a little hint here. This is where you want to go. If you're
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  going to pick up moves. Yeah. Now we'll get the paperwork rolling and
• 9:13
  we'll make sure that you're going to get a great deal that you're going to
• 9:15
  be comfortable with. Like you said that, I think the thing that's going
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  to make a lot of people feel really good right now is that the rates
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  have stabilized. They're not going to change every ten minutes every couple of days
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  or so. The roller coaster ride might be like you say, coming to
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  the level, the level part. It hasn't gone completely down yet, but
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  it's come come down and flattened out, which I think for a lot of
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  folks it makes them just feel a little bit more comfortable. Yeah, I
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  think so. I think people are finally understanding the rates are what they are
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  and probably not going to go down for a while and so, but but
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  you know what you're dealing with. You know what you're dealing with. When
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  you need a home, you need a home, and if you know you
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  need alone, you need a loan. And the thing is is that sometimes
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  you can come back and revisit, you know, a few years down the
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  road. But the thing is, if you lock in now, and you
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  lock in with good people, you're going to find the trust is there,
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  and you're going to find that if you have a question, I have to
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  is pick up the phone or just walk in really and you're going to be
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  right there, face to face. And it's not going to be an experience
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  that you'll say that you were on hold forever, because that doesn't happen to
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  truly. Nope, I know, and it's all about making good friends.
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  It's all about making good things happen in our community. Now, what about
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  for folks who are building a home? Can you help them out there with
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  the loan? Is that how that mortgage thing works with the building a home
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  tours? Yeah, we can do their construction loans, is what we do.
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  But that's what it's called them. Yeah, and we can help with
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  that all right, and then of course with our established homes. And I'm
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  starting to see some signs pop up, so you know, you might have
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  been right about that spring thing. Yeah, grass is green. That's when
• 10:58
  the business picks up. Grass is green. Right there on the stretch of
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  road where I'm on. I think I saw three or four pop up,
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  I know, And it was all because you know, they're retiring, they're
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  going someplace else to visit the grandkids and everything. When they're leaving, these
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  very nice homes have very little to you know, improve upon, so you
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  know, check your realtor, and then of course check truity as far as
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  getting everything taken care of and pushed through, because you know, I wouldn't
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  mind having you folks as neighbors. I mean, come on, I mean,
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  more the merrier this is a great town. And of course if you're
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  coming in with these new companies and you're checking things out, you know,
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  make sure you check around to with a Truity and make sure that you make
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  that your home too. And now, as a credit union, it only
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  differs from a bank only in the essence that we are members. We have
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  a say in how everything goes. If you go to let's say, another
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  form of a financial institution, you don't have that. You're just you know,
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  you're just a customer exactly. Yeah, and that makes it kind of
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  sweet. Yeah, the credit unions are not for profit, so we don't
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  have shareholders. And I mean, really, you work for us, the
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  member works for us. You help make those decisions. And what I like
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  also is that Truity gives back to the community and the forum with the schools
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  and things like that. If there is money to be made, it is
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  shared right here in the community, and it's shared with the members too.
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  It is shared throughout the community, and it also shared through the rates that
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  we can provide, side deposit, side all of those things. So really,
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  like Becky said, it is a non for profit. No, it
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  is a non for profit, but we do need profit to be able to
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  sustain our business model. But all the profits are really reinvested, like we
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  mentioned, in the community and for the betterment of of our members. You're
• 13:00
  not into it to go broke. We got to be stable. I just
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  like the rates. You got to be stable. Yes, Now you have
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  a website. Where can folks go to check out your website TRUCU dot org.
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  That's what it says right here in my queue card. I should have
• 13:16
  done that. Yes, And now if you're going on the website folks and
• 13:20
  I have you can find anything you want. You can find any department you
• 13:24
  want, and you have frequently asked questions a little pop up you can you
• 13:30
  can check into that. And if you just plane have something that's not there
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  and maybe not thought of it before, you can do get it on the
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  search stasine and we even have telephone folks that will help you out during regular
• 13:39
  business hours. It'll help answer your question. And you're not going to be
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  on home for forty five minutes like the I r S. Right. Yeah,
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  it's all going to be right there and it's all gonna happen for you.
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  Well, the pro because it's actually two on one, they are the
• 13:54
  pros and I'm just the one dummy over here doing talking. You're pretty awesome.
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  Flattery will get you everywhere. But once again, if you are looking
• 14:05
  for a home, or if you're in the midst of shopping around, please
• 14:11
  make sure that Truity is one of the people that you contact when you're looking
• 14:15
  for your mortgage, and they'll think you to the process nice and easy.
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  There's not going to be any pressure. In fact, it's going to be
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  probably the nicest ride you've ever had when buying a home. You're doing it
• 14:26
  with friends, you're doing it with neighbors, You're doing it with people you
• 14:28
  know and people you trust. That is Truity Credit Union. Want everybody stay
• 14:33
  tuned because we've got our news coming up in just a little bit from CBS.
• 14:37
  Also on the way, we have our local news following, and then
• 14:41
  Brian killed me to get you through the midday. Right now, fifty four
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  degrees in the sunshine. We're looking for a high today right around seventy four
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  with a ten percent chance of rain a little bit later on thirty percent chance
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  overnight and rain likely tomorrow. I'm not going to complain about the rain,
• 14:54
  because I complained about it once. And we went a drought. It wasn't
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  good, all right, Stay tuned, compassion, excellence, stuff you new
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  home Crematory, Bartlesville, No. Wad in Barnstock k w O N Bartlesville,
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  K two twenty seven e Q Bartlesville, K two thirty six c T. Pasca