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TRUITY CREDIT UNION · One on One With a Professional

• 0:01
  Speaker 1: Good morning, good morning, good morning, welcome, welcome, Welcome Indio.
• 0:04
  Speaker 1: Is time now for one on one with the pro
• 0:07
  Speaker 1: and from Truity Credit Union. We have Becky Gaily in
• 0:10
  Speaker 1: with this today. Is Becky. How are you doing this morning?
• 0:13
  Speaker 2: I'm doing good. It's cold outside though.
• 0:15
  Speaker 1: It sure is getting to be that Christmas nip in
• 0:18
  Speaker 1: the air and everything and Christmas and of course a
• 0:22
  Speaker 1: new year and everything going on. A lot of folks
• 0:25
  Speaker 1: are sitting on jas wonder with twenty twenty five is
• 0:27
  Speaker 1: gonna bring us right now? I just enjoy the Christmas
• 0:30
  Speaker 1: right Yeah?
• 0:31
  Speaker 2: Have you finished your Christmas shopping?
• 0:33
  Speaker 1: Why? Most certainly I did.
• 0:35
  Speaker 2: I haven't. I'm going to do that this weekend though.
• 0:38
  Speaker 1: There you go.
• 0:39
  Speaker 2: That's it. I have to buy from my in laws.
• 0:41
  Speaker 1: There you go.
• 0:42
  Speaker 2: It's hard.
• 0:43
  Speaker 1: It's hard, it truly is. But you know, with the
• 0:47
  Speaker 1: Truity Credit Union, you make savings so easy for people.
• 0:51
  Speaker 2: We try.
• 0:52
  Speaker 1: Well, that's kind of how it got started with a
• 0:55
  Speaker 1: bunch of ladies yep, working downtown and Power Girl Power,
• 1:01
  Speaker 1: and they were looking for unique ways to save. And
• 1:05
  Speaker 1: this is kind of how it got.
• 1:06
  Speaker 2: Started, yep, by the girls.
• 1:08
  Speaker 1: There you go. Next thing, you know, shopping wasn't too
• 1:12
  Speaker 1: hard what to save a penny or two. And that's
• 1:15
  Speaker 1: a kind of the rule here in modern days. If
• 1:18
  Speaker 1: you can say more than you spend, you're doing pretty good.
• 1:22
  Speaker 1: But you have great ways to in great rates too
• 1:25
  Speaker 1: as far as making a saving pay for itself.
• 1:27
  Speaker 3: Yeah, savings rates are increasing, Mortgage rates are starting.
• 1:33
  Speaker 2: To decrease, which is a good thing. Yeah, I know.
• 1:36
  Speaker 3: And then the Fed's met this morning too, so they're
• 1:38
  Speaker 3: supposed to cut rates again. Hopefully we'll see, we'll see
• 1:42
  Speaker 3: what happens.
• 1:43
  Speaker 1: We'll see. Yeah, you never know. I know, it's always
• 1:46
  Speaker 1: a roll of the dice. So tell us what you
• 1:48
  Speaker 1: do at Trudy Credit Union.
• 1:50
  Speaker 2: So I am the mortgage development officer.
• 1:52
  Speaker 1: While you're watching this, So like a hawk.
• 1:55
  Speaker 3: I'm responsible for bringing in the mortgage production in the
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  Speaker 3: Bartlesville area.
• 2:00
  Speaker 1: Now this means of course getting a home, buying property,
• 2:05
  Speaker 1: maybe even some commercial stuff as well.
• 2:07
  Speaker 2: Construction or if you're looking at buying land.
• 2:11
  Speaker 1: We got a lot of land around us, but it
• 2:15
  Speaker 1: was for a while there we had in the houses
• 2:17
  Speaker 1: just popping up out of the ground like crazy. And
• 2:19
  Speaker 1: I know that as soon as it starts getting spring
• 2:22
  Speaker 1: time with a little bit warmer, we'll have a few more.
• 2:25
  Speaker 1: But how do we go about the process If I'm
• 2:28
  Speaker 1: a person who's thinking about, you know, building, First of all,
• 2:32
  Speaker 1: you got to buy the land. Yeah, and then when
• 2:34
  Speaker 1: we see our banker, how do it take us kind
• 2:37
  Speaker 1: of through the steps? Generally does the work?
• 2:39
  Speaker 3: First step is to apply, So you just want to
• 2:41
  Speaker 3: make the phone call and then complete an application. And
• 2:45
  Speaker 3: once you do that, then I can see your whole picture.
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  Speaker 3: You know, your credit score, your employment history, all of that,
• 2:52
  Speaker 3: and then we can talk about what you're qualified for,
• 2:55
  Speaker 3: how much, like what your purchase power is and all that.
• 3:00
  Speaker 2: Just talk about the whole steps of the process.
• 3:02
  Speaker 1: Wow, this is good. Are there programs that help maybe
• 3:06
  Speaker 1: first time buyers or veterans or things like that.
• 3:09
  Speaker 3: Yeah, So as a first time home buyer, you can
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  Speaker 3: put as little as three percent down versus if you
• 3:16
  Speaker 3: already own own a home, minimum down payments five percent. Yeah,
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  Speaker 3: veterans you can do one hundred percent financing. VA loans
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  Speaker 3: are fantastic for our veterans.
• 3:27
  Speaker 2: They really are.
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  Speaker 1: My goodness sakes, I'd say, And it's really not hard.
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  Speaker 1: It just matter of making an appointment, asking a few questions,
• 3:36
  Speaker 1: getting that application taken care of and then going from there.
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  Speaker 2: Yeah, that's it. That a commy.
• 3:45
  Speaker 1: For some folks, that seems to be the hardest part.
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  Speaker 1: I want a house. I want a house. Elog what
• 3:50
  Speaker 1: I do? Oh? What do I do?
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  Speaker 3: Well?
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  Speaker 1: I got to talk to somebody, old, guish, old, golly,
• 3:53
  Speaker 1: just do it. She's very nice and you got very
• 3:56
  Speaker 1: nice people around you too at Trudy Credit Union. We
• 4:00
  Speaker 1: really want to say.
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  Speaker 2: Yes, yes, we want to help our community for sure.
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  Speaker 1: And Trudy Credit Union, of course a great partner in
• 4:08
  Speaker 1: our community. Beautiful downtown facility. I love that building. The
• 4:13
  Speaker 1: INSIGHT's got the big mural in there.
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  Speaker 2: I know, it's so pretty in there.
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  Speaker 1: You get a little history lesson when you walk. Then
• 4:20
  Speaker 1: you want to see something kind of new and fancy.
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  Speaker 1: We got the Nancy artwork down at the one on
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  Speaker 1: the southwest of Washington Boulevard.
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  Speaker 2: Yeah. Did you see that? The Dewey im open to.
• 4:30
  Speaker 1: Yes, I did, and that was quite a deal.
• 4:33
  Speaker 2: A couple of days ago. Yeah, we had the ribbon gun.
• 4:35
  Speaker 2: Santa was there.
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  Speaker 1: Yeah, Santa was there and some hot beverages I understand
• 4:39
  Speaker 1: were being served and it was a good time for
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  Speaker 1: a lot of folks.
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  Speaker 2: Yeah, it's nice now.
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  Speaker 1: But we're not confined to just Washington County.
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  Speaker 3: No, we have branches in Kansas, the Lawrence, like Johnson County,
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  Speaker 3: uh huh, yeah, and then Houston. We have a couple
• 4:55
  Speaker 3: of branches down there in Houston. Yeah, we're trying to
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  Speaker 3: grow well.
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  Speaker 1: You're doing very well, and you take care of of
• 5:03
  Speaker 1: home base, and that's really good. Where our home base
• 5:05
  Speaker 1: will be, whether it is Bartlesville or like you said,
• 5:08
  Speaker 1: in Kansas or down in Houston. You're such a part
• 5:11
  Speaker 1: of the community here with the Trudy Credit Union virtually
• 5:15
  Speaker 1: everywhere going and I know, I tell everybody that comes
• 5:17
  Speaker 1: in here, didn't I just see you at a ball game?
• 5:20
  Speaker 1: Did I just see you at the kids play? Didn't
• 5:22
  Speaker 1: they just see you at the you know one of
• 5:25
  Speaker 1: the nonprofit to get togethers downtown and community involvement is very,
• 5:31
  Speaker 1: very big with your philosophy.
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  Speaker 3: I know, it's so important for us as employees to
• 5:38
  Speaker 3: stay involved, be involved in the community. That's where we
• 5:43
  Speaker 3: work and play.
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  Speaker 1: Indeed, and it feels good when you're doing business with
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  Speaker 1: friends and neighbors because you know the trust is already there.
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  Speaker 3: I know when you build the relationships, you build trust,
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  Speaker 3: and it just makes everything easier when you want to
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  Speaker 3: buy a car, or buy a high alcer, build a home.
• 6:02
  Speaker 1: It. Vicky Gaily is with us here and she is
• 6:05
  Speaker 1: with the Truity Credit Union right here in Bartlesville in
• 6:10
  Speaker 1: all over these days. But the thing with a credit union,
• 6:15
  Speaker 1: it's not you do many of the functions of a bank,
• 6:20
  Speaker 1: but you're not a bank. And there's a big key reason.
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  Speaker 1: Who owns it?
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  Speaker 2: We do you do.
• 6:27
  Speaker 1: People who invest with your savings or they're checking accounts.
• 6:32
  Speaker 1: If you remember the credit union, you're an owner.
• 6:35
  Speaker 2: Yep.
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  Speaker 3: When you remember you own it. You own a piece
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  Speaker 3: of the credit union.
• 6:39
  Speaker 1: That's just amazing. Yeah, and with that you don't have
• 6:43
  Speaker 1: to worry about the bottom line in New York. Yeah,
• 6:47
  Speaker 1: shareholders worldwide.
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  Speaker 3: Yeah, that's why we're able to offer competitive rates and.
• 6:54
  Speaker 2: Higher savings rates, you know, because we own it, not
• 6:58
  Speaker 2: any shareholders.
• 7:00
  Speaker 1: I think you are the boss here. You're in a
• 7:03
  Speaker 1: little bit more control over then you think. One thing
• 7:06
  Speaker 1: that I really get a kick out is the fact
• 7:08
  Speaker 1: that when you go out into the community, you go
• 7:11
  Speaker 1: out in the schools. Truity just made a nice investment
• 7:17
  Speaker 1: in our Bartlesville Public Schools Foundation on Monday, and thank you.
• 7:22
  Speaker 1: I'm sure a lot of parents are very thankful for
• 7:25
  Speaker 1: that because that goes a long way. But also with
• 7:27
  Speaker 1: your debit cards, it's not just one school. You got
• 7:30
  Speaker 1: several schools that benefit from the use of truity like
• 7:33
  Speaker 1: school spirit I guess.
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  Speaker 2: Yea cards, spirit cards or whatever.
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  Speaker 3: Yeah, uh huh, yeah, we've got one for Dewey and Bartlesville.
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  Speaker 2: One's coming out. I don't know if it's come out.
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  Speaker 3: Or if it's fixed to for Pahusca. So yeah, all
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  Speaker 3: kinds of things that we do for our community.
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  Speaker 1: It's the little things that add up. Yeah, it really is,
• 7:53
  Speaker 1: you know, like I said, community involvement and then you know,
• 7:57
  Speaker 1: ways to help raise funds for our our schools. You're
• 8:01
  Speaker 1: very invested in our community and that's really that goes
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  Speaker 1: a long way with people.
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  Speaker 2: See us everywhere home oh yeah yeah.
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  Speaker 1: Now with homes and everything getting back into the mortgage game,
• 8:16
  Speaker 1: there are folks who have been kind of hesitant to
• 8:19
  Speaker 1: young people. I don't know why this is, but they said, well,
• 8:22
  Speaker 1: I'm going to wait till I'm thirty or thirty five
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  Speaker 1: to buy a home. These days, you're going to have
• 8:26
  Speaker 1: to have a place to live sometime. And if you're
• 8:29
  Speaker 1: thinking about putting down roots. It doesn't hurt to buy dirt.
• 8:32
  Speaker 1: If that somebody said.
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  Speaker 2: What I said, well said, yes, get on that.
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  Speaker 1: Dirt you can. You got a good foundation to build
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  Speaker 1: a home.
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  Speaker 2: Yeah, I know.
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  Speaker 3: It's not as scary as what people make it out
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  Speaker 3: to be buying a home. I mean, there's a lot
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  Speaker 3: that goes into it. But it's good to at least
• 8:50
  Speaker 3: start asking questions and to gain knowledge on what it
• 8:55
  Speaker 3: takes to buy a home because you know, but your
• 9:00
  Speaker 3: parents or your grandparents are saying that you need a
• 9:04
  Speaker 3: whole bunch of money to buy a home, and that's
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  Speaker 3: not necessarily true.
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  Speaker 1: So I remember as a young man, I was told
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  Speaker 1: you've got to save twenty percent. Yeah I do, Well,
• 9:15
  Speaker 1: it's gonna take a while, I know.
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  Speaker 2: See I hear that all the time.
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  Speaker 3: And you don't have to So it's just asking questions.
• 9:24
  Speaker 3: You don't don't need to be afraid to ask the questions.
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  Speaker 1: No, I mean, it's all it is is a question.
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  Speaker 1: Question is not going to hurt you. Sure is not
• 9:32
  Speaker 1: going to hurt you. You're going to know something and
• 9:34
  Speaker 1: picking up the phone or you know what. Some folks
• 9:38
  Speaker 1: actually feel better dialoguing on the chat boxes and things
• 9:42
  Speaker 1: like that with computers these days. I don't know why
• 9:44
  Speaker 1: that is. I'm a little bit beyond that, you know, generation,
• 9:48
  Speaker 1: But yeah, they feel more comfortable asking questions in form
• 9:54
  Speaker 1: of an email or a text or something like that.
• 9:56
  Speaker 1: Your website is built for that. It's kind of for
• 10:00
  Speaker 1: as easy as it is to navigate it, there's a
• 10:02
  Speaker 1: lot of complex things.
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  Speaker 3: Yeah, I know, there's so many ways to get in
• 10:06
  Speaker 3: touch with me or even ask questions. Yeah, you can
• 10:10
  Speaker 3: what it's called, like a chat box or something like
• 10:12
  Speaker 3: that on our website. You can just ask those questions
• 10:15
  Speaker 3: there and they'll eventually get to me.
• 10:17
  Speaker 2: Or you can email or text or call or come in.
• 10:21
  Speaker 1: I'd recommend you come in, folks, Yeah, because you know,
• 10:23
  Speaker 1: you're going to find out just how friendly the people
• 10:26
  Speaker 1: are at the Truity Credit Union. And you're also going
• 10:29
  Speaker 1: to get some scenery there with a beautiful mural there
• 10:33
  Speaker 1: and uh, and of course you're going to probably run
• 10:34
  Speaker 1: into just about everybody you know too.
• 10:37
  Speaker 3: Did you know that all the pictures in the credit
• 10:40
  Speaker 3: union were taken by local people in the community or
• 10:44
  Speaker 3: employees of Truity. It's all taken by somebody in Bartlesville
• 10:48
  Speaker 3: which I think it's pretty.
• 10:49
  Speaker 1: Cool, Becky Gaily, I did not know that now. You know,
• 10:53
  Speaker 1: you learn some every day, even when you're old like me,
• 10:56
  Speaker 1: you learn new things. This is really cool now. Other features.
• 11:01
  Speaker 1: We talked about debit card, We talked about home mortgage.
• 11:06
  Speaker 1: You even take people can take out a loan for
• 11:08
  Speaker 1: a car. Yeah, I know I did.
• 11:10
  Speaker 3: My son just did. He just bought his very first
• 11:13
  Speaker 3: car over the weekend. Yeah, all by himself.
• 11:16
  Speaker 1: Congratulation.
• 11:17
  Speaker 2: I know he's so big.
• 11:21
  Speaker 1: But I got to tell you it was no trouble.
• 11:23
  Speaker 1: That was the that was the easiest. That was the
• 11:26
  Speaker 1: easiest transaction I can remember. And uh, it was right
• 11:31
  Speaker 1: here in our hometown. And it wasn't like it was
• 11:36
  Speaker 1: a strain on my level of stress or anything. It
• 11:40
  Speaker 1: was either going to be yes or no. But when
• 11:41
  Speaker 1: I found out it was yes, it was and then yes.
• 11:44
  Speaker 1: And look, you get so much of a better rate.
• 11:47
  Speaker 2: I know.
• 11:47
  Speaker 1: I find out with credit unions that you do, you're
• 11:51
  Speaker 1: right there in the think of the competition, and more
• 11:53
  Speaker 1: times than that, you do get a better rate with credit.
• 11:55
  Speaker 2: I know.
• 11:56
  Speaker 3: I heard that at the car dealerships that Trudy offers
• 12:00
  Speaker 3: the most competitive rate out of all the other lenders
• 12:03
  Speaker 3: that they work with, which was good to hear.
• 12:05
  Speaker 1: Yeah, because they're working with sometimes about a half dozen
• 12:08
  Speaker 1: or at a time, and some you know, not even local.
• 12:13
  Speaker 1: But but it's there for you to compare.
• 12:16
  Speaker 2: It's nice to know, yeah it is.
• 12:18
  Speaker 1: But it's also even better to know that it's right
• 12:20
  Speaker 1: here at home. Gosh that pays such dibidends. Now you
• 12:24
  Speaker 1: have checking accounts, you also have, you know, ways of
• 12:28
  Speaker 1: using different financial instruments in order to save money, invest money,
• 12:32
  Speaker 1: and do everything. And really all you have to do
• 12:35
  Speaker 1: is go to the website or just call Becky.
• 12:38
  Speaker 3: Yeah, our savings rates are actually pretty good right now,
• 12:42
  Speaker 3: the higher yield savings some and I think it's only
• 12:45
  Speaker 3: going to get better hopefully.
• 12:48
  Speaker 1: Oh yeah, we'll see how this goes. We'll see how
• 12:50
  Speaker 1: this goes. And once again, your money's right here, and
• 12:54
  Speaker 1: it's really something else. You have a kind of a
• 12:57
  Speaker 1: neat little teller system. It's a little different.
• 13:01
  Speaker 2: Yeah, the IM not ATM.
• 13:03
  Speaker 1: This is IM.
• 13:05
  Speaker 3: Why is the I Interactive teller machine. It pretty much
• 13:09
  Speaker 3: does everything that a teller can do. So you can
• 13:13
  Speaker 3: withdraw deposit, deposit cash, deposit checks, you can do it
• 13:18
  Speaker 3: all pretty much.
• 13:19
  Speaker 1: There My goodness, and you got a video a little
• 13:23
  Speaker 1: and it's a real life person on the other end. Yeah.
• 13:25
  Speaker 3: Sometimes, yeah, there can be a real life person and
• 13:28
  Speaker 3: it's nice. Like for my son, he works night, so
• 13:31
  Speaker 3: he can't get to the branch during regular business hours
• 13:35
  Speaker 3: and so it'd be nice for him.
• 13:38
  Speaker 1: So you can take care of all of your well
• 13:40
  Speaker 1: pretty much all everything.
• 13:42
  Speaker 2: Yeah, twenty four to seven.
• 13:45
  Speaker 1: First, what is it that you don't do well? It's
• 13:48
  Speaker 1: it's a small as because you do so so many
• 13:52
  Speaker 1: different white and very things. Anything you'd like to add
• 13:54
  Speaker 1: on to what we've already discussed as far as the
• 13:57
  Speaker 1: truity or in your services especially huh.
• 14:00
  Speaker 3: I was just going to talk about the Christmas lights
• 14:02
  Speaker 3: this weekend, is all I wanted to say.
• 14:04
  Speaker 1: Well, talk about the Christmas lights. We got plenty of it,
• 14:07
  Speaker 1: I know.
• 14:07
  Speaker 3: I was going to make sure that everybody knew about
• 14:09
  Speaker 3: the wool Rock Christmas lights.
• 14:11
  Speaker 2: Say, you could go to or fantasy Land this weekend.
• 14:15
  Speaker 3: Or Frank Phillips has their home open this weekend for Christmas.
• 14:19
  Speaker 3: So oh, Jarrett Farms has a sourdough bread class this
• 14:24
  Speaker 3: weekend if you want to learn how to make sourdough bread.
• 14:26
  Speaker 3: I thought that was pretty cool.
• 14:28
  Speaker 1: Oh, indeed his disease.
• 14:30
  Speaker 3: And I know I'm just in the mood too to
• 14:32
  Speaker 3: go look at Christmas lights.
• 14:33
  Speaker 1: Well, I think a lot of us are. Yeah, it's
• 14:36
  Speaker 1: been kind of stressful this year. I want to thank
• 14:38
  Speaker 1: you for being a part of our broadcast today and
• 14:41
  Speaker 1: want to wish you and everyone at True to Credit
• 14:43
  Speaker 1: Union very merry Christmas and a spectacular, I mean a
• 14:47
  Speaker 1: smoking spectacular twenty twenty five Merry Christmas. Christmas, thanks for
• 14:55
  Speaker 1: listening to one on one with a professional, A paid
• 14:57
  Speaker 1: presentation at fourteen hundred K one