At Charter Oak Federal Credit Union, we’re here to guide you through the process of becoming a homeowner. We are committed to not just help buyers navigate the landscape of purchasing a first home, but to purchase the right one! 5 CHFA.org, 2021, CHFA Resource Map, Accessed September 20, 2021, … Fixed Rate Home Equity Loan. For home improvement, debt consolidation, education, or a new car. Whatever your personal dream is, a fixed-rate home equity loan from Charter Oak is the smart way to borrow. (Please consult your tax advisor for interest deductibility.) *Some fees apply for loans greater than $250,000. Contact Charter Oak Federal Montville. Phone Number: (860) 446-8085. Toll-Free: (800) 962-3237. Report Phone Problem. Address: Charter Oak Federal Credit Union Montville Branch 601 Norwich New London Turnpike Montville, CT 06353. Website:Jun 7, 2023 · Charter Oak awards scholarships on an annual basis and will begin accepting applications again in January 2024 for the 2024-2025 school year. To learn more about the Credit Union’s scholarship program, please visit: CharterOak.org. Charter Oak is eastern Connecticut’s largest credit union with assets of $1.52 billion as of September 30, 2023. Senior Specialist/Work Leader (Former Employee) - Groton, CT - October 1, 2015. Charter Oak gave their employees great opportunities to advance within. They gave excellent training, competitive compensation, and benefits. They also recognized employees that stood out in cross sells on a quarterly basis.Charter Oak will be hosting a Shred Day on Saturday, May 18 th at 9am-11am at the following locations: HQ – 1055 Hartford Turnpike, Waterford, CT 06385. Norwich – 1 Connecticut Ave., Norwich, CT 06360. Dayville – 589 Hartford Pike, Dayville, CT 06241. To accommodate as many members as possible, a two …*APY = Annual Percentage Yield: The Accumulator Money Market Account is a split rate tiered account and will earn the stated APY only for the account balance within each tier.To earn the stated APYs, you must have a GO Checking or SUN Checking Account with a month end balance of at least $100.Contact Charter Oak Federal Dayville. Phone Number: (860) 446-8085. Toll-Free: (800) 962-3237. Report Phone Problem. Address: Charter Oak Federal Credit Union Dayville - Killingly High School Branch 226 Putnam Pike Dayville, CT 06241. Website:Charter Oak Federal Credit Union, Waterford, Connecticut. 3,465 likes · 44 talking about this. Trusted for over 80 years, Charter Oak has taken a... Trusted for over 80 years, Charter Oak has taken a holistic approach to banking.Waterford, CT – January 18, 2024 – Charter Oak Federal Credit Union awarded $848,000 in annual $100 cash bonuses in December to its Gold Rewards members, which is the largest annual amount since Charter Oak created the unique member-appreciation program in 2010. “This is our 14 th year of recognizing our Gold … Charter Oak Federal Credit Union, Waterford, Connecticut. 3,465 likes · 44 talking about this. Trusted for over 80 years, Charter Oak has taken a... Trusted for over 80 years, Charter Oak has taken a holistic approach to banking. Becoming financially fit requires maintaining foundational elements, including a budget, emergency fund, strong credit score, and retirement savings. Becoming financially fit requires maintaining foundational elements, including a budget, emergency fund, strong credit score, and retirement savings. ... Some …226 Putnam Pike Dayville, CT 06241. Branch Details. The interactive map showcases all Charter Oak branches located in and around the Dayville, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of Charter Oak Federal locations in Dayville, Connecticut, with markers ...Jan 18, 2024 · Waterford, CT – January 18, 2024 – Charter Oak Federal Credit Union awarded $848,000 in annual $100 cash bonuses in December to its Gold Rewards members, which is the largest annual amount since Charter Oak created the unique member-appreciation program in 2010. “This is our 14 th year of recognizing our Gold Rewards members for their ... 14 Branch Locations. Not Yet Rated. About. More. Services. Verify if a check is good. Check verification. Find Branches Near Me. About Charter Oak Federal Credit Union. Charter …Waterford, CT – January 16, 2024 – Charter Oak Federal Credit Union donated $100,000 in emergency food assistance to eastern Connecticut’s food pantries and food centers to help boost food supplies to those in need during the holiday season. For the second year in a row 20 food pantries received $5,000 this past December for much …Charter Oak Federal Credit Union is eastern Connecticut's largest credit union and a leading financial institution in Connecticut. They offer full financial services – banking, investments, insurance and more – with a network of convenient branches located throughout eastern Connecticut. They’re also a not-for-profit financial cooperative where …Waterford, CT – January 18, 2024 – Charter Oak Federal Credit Union awarded $848,000 in annual $100 cash bonuses in December to its Gold Rewards members, which is the largest annual amount since Charter Oak created the unique member-appreciation program in 2010. “This is our 14 th year of recognizing our Gold … Contact Charter Oak Federal Putnam. Phone Number: (860) 446-8085. Toll-Free: (800) 962-3237. Report Phone Problem. Address: Charter Oak Federal Credit Union Putnam Branch 7 Providence Pike Putnam, CT 06260. Website: YOU ARE ABOUT TO LEAVE THE CHARTER OAK FCU WEBSITE. The website you are linking to is not operated by Charter Oak FCU. We are not responsible for any content or information posted to this external website. Charter Oak FCU is not responsible for, nor do we represent you or the external website if you enter any …Mar 17, 2023 · If you have any further questions or concerns, please reach out to us at 860.446.8085. Trusted for over 84 years. Charter Oak Federal Credit Union is a well-capitalized financial institution, maintaining equity reserves and investments that prioritize needed safety and soundness for our members. We are the largest credit union headquartered in ... Charter Oak Federal Credit Union is like a bank, just better! We've been proudly serving eastern Connecticut since 1939 and we offer great checking, deposit, lending, insurance and investment products. And because we're a credit union, we're owned by our members, not by shareholders. So we can offer lower rates on loans and higher rates on deposits. It's …CHARTER OAK FEDERAL CREDIT UNION PAWCATUCK BRANCH. CHARTER OAK FEDERAL CREDIT UNION has 15 different branch locations. The PAWCATUCK BRANCH is located in PAWCATUCK, CT at 20 Liberty St. See location on map below. For additional information, such as hours of operation, …Charter schools provide an apealing alternative to conventional public and private schools. Read more about charter schools at HowStuffWorks. Advertisement Charter schools provide ...Thank you, Charter Oak members, for another remarkable year for Matching Gifts! Your extreme generosity has allowed us to reach our funding limit of $200,000, which means this year’s combined giving from our members and Charter Oak totals $400,000 to assist charities and non-profits! We’re committed to giving back to charitable entities ...August 14, 2023 · 2 min read. Aug. 14—WATERFORD — Charter Oak Federal Credit Union has provided members with the results of an investigation into the cyberattack that disrupted its online banking service last month. The incident caused Charter Oak to shut down the service for five days, from 5 p.m. July 14 to the early evening of July 19.In one sense, telephone spoofing refers to the practice of falsifying caller ID information to mask the true identity of the caller. For example, they just change the “from” number to appear as if it’s your doctor’s office, financial institution, or perhaps one of your neighbors. By manipulating the caller ID display, …With discounts for Charter Oak Federal Credit Union membership, the TruStage Auto & Home Insurance Program could save you money. Working with big-name companies we’ve carefully selected, you can expect top-notch service and solid value. It’s easy to get a quote and make the switch—even if you’re already covered with another company, you won’t … iPad. Charter Oak Federal Credit Union’s mobile app lets you bank 24/7 – anytime, anywhere! Our free and secure app gives you convenient access to your accounts whenever you want, right on your smartphone! Features: Deposit a check to your account with Mobile Deposit by simply snapping a picture with your phone. Development, Federal Housing Administration (FHA), and CHFA mortgages allow qualified members to achieve their dream of home ownership •Fixed Rate Home Equity Loan* - these low fixed rate loans can be used for home improvements, debt consolidation, education or a new car •Home Equity Line of Credit* - for the ultimate in convenience, access your …According to the New York Federal Reserve, the U.S. consumer debt stood at almost $14 trillion in the second quarter of 2019. To get more specific, mortgages, auto costs, credit ca...Charter Oak Federal Credit Union in Waterford, Connecticut, offers a wide range of financial services designed to meet the diverse needs of their members. From traditional savings and checking accounts to more specialized financial products, credit unions provide a personalized banking experience with the added benefit of being member-owned and …Jun 9, 2014 ... Charter Oak Federal Credit Union said Monday it will open a new $18 million headquarters next week in Waterford. The credit union, with more ... Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237. Rate Center; Important Alerts; Branch / ATM Locations & Hours; Charter Oak Federal Credit Union | 704 followers on LinkedIn. Charter Oak FCU is like a bank, just better! Proudly serving eastern Connecticut since 1939! | Charter Oak Federal Credit Union is like a bank, just better! We've been proudly serving eastern Connecticut since 1939 and we offer great checking, deposit, lending, insurance and investment …The rules for what EVs qualify for $7,500 federal tax credits just changed. Here are all the electric cars that still qualify. By clicking "TRY IT", I agree to receive newsletters ...Results 1 - 25 of 189 ... Key Employees of Charter Oak Federal Credit Union · Profile Picture. Joseph Childress. Senior Vice President Chief Information Officer.Charter Oak Federal Credit Union is the worst. Do not bank here. This is the 4th time in a year I've been left without access to my account without explanation. Last time I was without a debit card for two weeks. They sent a replacement card to the wrong address. So they sent a replacement replacement card. Instead of …Navy Federal credit card reviews, customer service info & FAQ. Learn more about Navy Federal credit cards, compare offers & get more from your Navy Federal credit card. Secured Car...Call 1.800.992.3808 from the phone number associated with your account and you will be prompted to answer a few security questions. Once the questions are answered correctly, the system will ask for a 4-digit PIN. Once accepted, the card can be used immediately. 4.Oct 20, 2019 · Charter Oak Federal Credit Union. Banks & Credit Unions. 1055 Hartford Turnpike Waterford CT 06385. (860) 446-8085. (800) 962-3237. Visit Website. Open your checking account online today! View Checking Rates. Rates Effective March 15th, 2024. GO Checking. Earn 3.00% APY* on GO Checking account balances up to $10,000! Member benefits: ATM fee rebates. No monthly maintenance fee. First order of checks free. Free Online Banking with check images. Bill Pay with no monthly fee. Open Account. Charter Oak Federal Credit Union in Willimantic, Connecticut, offers a wide range of financial services designed to meet the diverse needs of their members. From traditional savings and checking accounts to more specialized financial products, credit unions provide a personalized banking experience with the added benefit of being member-owned and …Charter Oak Federal Credit Union, at 893 Main Street, Willimantic Connecticut, is more than just a financial institution; Charter Oak is a community-driven organization committed to providing members with personalized financial solutions. Founded in 1939, Charter Oak has grown alongside the members, offering a range of services designed to meet every …MISSION: Charter Oak Federal Credit Union is a community credit union that is committed to giving back to charitable entities within its field of membership. Charter Oak Federal Credit Union’s Community Giving Grants Program is geared specifically to non-profit organizations that foster economic development and social well …893 Main Street Willimantic, CT 06226. Charter Oak Federal Credit Union offers a vast network of ATMs for its members to access their accounts and perform financial transactions on-the-go. Our ATMs are conveniently located at credit union branches, shopping centers, and retail locations across the country. …Charter Oak Federal Credit Union in Waterford, Connecticut, offers a wide range of financial services designed to meet the diverse needs of their members. From traditional savings and checking accounts to more specialized financial products, credit unions provide a personalized banking experience with the added benefit of being member-owned and …So join today and see why Members Bank Better at Charter Oak! Learn more at CharterOak.org, or visit any of our convenient branches, or simply call 860.446.8085 or 1.800.962.3237. Website. http ...To become a Chartered Market Technician (CMT), you must meet rigorous standards over three levels. Once complete, a CMT is knowledgeable in risk management. Do you ever wonder who’...Opened 85 years ago in 1939, CHARTER OAK FEDERAL CREDIT UNION has about 87,401 members and employs 204 full and part-time employees offering …Charter Oak Federal Credit Union has been open since 1939. It's the 3rd largest credit union in Connecticut with assets totaling $1.16 Billion and providing banking services to more than 76,000 members. Membership: The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area …Contact Charter Oak immediately so we can take the appropriate actions to prevent further unauthorized transactions, which may include freezing or closing your account(s). ... Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237. Rate Center; Important Alerts; Branch / ATM …Branch Details. Groton - Fitch High School Branch. 101 Groton Long Point RoadGroton, CT06340(860) 446-8085. Branch Details. Montville Branches. 601 Norwich New London …Charter Oak Federal Credit Union headquarters is in Waterford, Connecticut has been serving members since 1939, with 15 branches and 16 ATMs. The Main Office is located at 1055 Hartford Turnpike, Waterford, Connecticut 06385. Contact Charter Oak at (860) 446-8085. Access Charter Oak Federal Login, hours, phone, financials, and additional … Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237. Rate Center; Important Alerts; Branch / ATM Locations & Hours; A The phone number for Charter Oak Federal Credit Union is: 860-446-8085. Q Where is Charter Oak Federal Credit Union located? A Charter Oak Federal Credit Union is located at 3 Boston Post Rd, New London, Connecticut 06385. Q What days are Charter Oak Federal Credit Union open? A Charter Oak Federal Credit … Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237. Rate Center; Important Alerts; Branch / ATM Locations & Hours; So join today and see why Members Bank Better at Charter Oak! Learn more at CharterOak.org, or visit any of our convenient branches, or simply call 860.446.8085 or 1.800.962.3237. Website. http ...Results 1 - 25 of 189 ... Key Employees of Charter Oak Federal Credit Union · Profile Picture. Joseph Childress. Senior Vice President Chief Information Officer.CHARTER OAK FEDERAL CREDIT UNION WATERFORD BRANCH. CHARTER OAK FEDERAL CREDIT UNION has 16 different branch locations. The WATERFORD BRANCH is located in WATERFORD, CT at 3 Boston Post Rd. See location on map below. For additional information, such as hours of operation, please call (860) 446-8085. Location 3 …Article 4 of the U.S. Constitution defines the relationship of the states toward one another, and their relationship to the federal government. Section 1 contains the “Full Faith a...Charter Oak’s Mobile App Rated Best App By LeapDroid September 21st, 2021 Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237Both Navy Federal and USAA serve millions of veterans and military personnel. Here's a breakdown of the key differences for your needs. There are special banking opportunities for ...CHARTER OAK FEDERAL CREDIT UNION PAWCATUCK BRANCH. CHARTER OAK FEDERAL CREDIT UNION has 15 different branch locations. The PAWCATUCK BRANCH is located in PAWCATUCK, CT at 20 Liberty St. See location on map below. For additional information, such as hours of operation, …Waterford, CT – March 5, 2024 – Charter Oak Federal Credit Union has promoted Evan Sywak to Assistant Vice President Business Lender and Courtney Brunelle to Commercial Credit Analyst to meet the increasing growth in the credit union’s business lending operations. Sywak joined Charter Oak in 2019 and has been an …Jun 21, 2022 ... We are thrilled to announce that Charter Oak Federal Credit Union has become a Norwich Public Schools Education Foundation Community Partner ...Charter Oak Federal Credit Union in Montville, Connecticut, offers a wide range of financial services designed to meet the diverse needs of their members. From traditional savings and checking accounts to more specialized financial products, credit unions provide a personalized banking experience with the added benefit of being member-owned and …Brian A Orenstein is President/CEO at Charter Oak Federal Credit Union. See Brian A Orenstein's compensation, career history, education, & memberships.Charter Oak Federal Credit Union - Niantic, CT, 335 Main Street. 335 Main Street Niantic, CT06357. Get Directions. Open Today. Thursday, March 21, 2024. Contact. Hours. …Contact Charter Oak Federal Groton. Phone Number: (860) 446-8085. Toll-Free: (800) 962-3237. Report Phone Problem. Address: Charter Oak Federal Credit Union Groton - Chicago Avenue Branch 32 Chicago Avenue Groton, CT 06340. Website:Contact Charter Oak Federal New London. Phone Number: (860) 446-8085. Toll-Free: (800) 962-3237. Report Phone Problem. Address: Charter Oak Federal Credit Union Electric Boat Branch 50 Pequot Avenue New London, CT 06320. Website:Charter Oak Federal New London is located at 50 Pequot Avenue, New London, CT 06320. Access Charter Oak Federal Login, New London hours, phone, financials, and …Charter Oak Federal Credit Union Snapshot Financial Snapshot Members do bank better at Charter Oak! Since 1939, we’ve been proudly serving eastern Connecticut and we offer great checking, deposit, lending, insurance, and investment products. Because we’re a credit union, we’re owned by our members, not by …Feb 22, 2022 · Talk to a Charter Oak Credit Union loan officer today to learn more about how you can refinance your mortgage while rates are low. * Some fees apply for loans greater than $250,000. Loans over $500,000 are subject to a 0.25% increase above the published rate. Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237. Rate Center; Important Alerts; Branch / ATM Locations & Hours; YOU ARE ABOUT TO LEAVE THE CHARTER OAK FCU WEBSITE. The website you are linking to is not operated by Charter Oak FCU. We are not responsible for any content or information posted to this external website. Charter Oak FCU is not responsible for, nor do we represent you or the external website if you enter any …CHARTER OAK FEDERAL CREDIT UNION has 16 different branch locations. The CHICAGO AVENUE BRANCH is located in GROTON, CT at 32 Chicago Ave. See location on map below. For additional information, such as hours of operation, please call (860) 446-8085. Location 32 Chicago Ave GROTON, CT 06340 (860) 446 …May 13, 2021 ... Charter Oak Federal Credit Union has named Susan Shepherd, an experienced banker with more than two decades of lending expertise, ... Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237. Rate Center; Important Alerts; Branch / ATM Locations & Hours; Charter Oak’s Mobile App Rated Best App By LeapDroid Dave Jensen 2022-05-10T09:18:14-04:00 September 21st, 2021 | Personal Finance , Basic Banking , Financial Management | Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237Contact Charter Oak Federal Norwich. Phone Number: (860) 446-8085. Toll-Free: (800) 962-3237. Report Phone Problem. Address: Charter Oak Federal Credit Union Norwich Branch 1 Connecticut Avenue Norwich, CT 06360. Website:Charter Oak Federal Credit Union is headquartered in Waterford and is the 3 rd largest credit union in the state of Connecticut. It is also the 300 th largest credit …Charter Oak is proud to offer at least one $2,000 scholarship to each high school with an enrollment of 100 students or more in New London and Windham counties. ... Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237. Rate Center; Important Alerts; Branch / ATM Locations & Hours; Holiday …Charter Oak Federal Credit Union in Montville, Connecticut, offers a wide range of financial services designed to meet the diverse needs of their members. From traditional savings and checking accounts to more specialized financial products, credit unions provide a personalized banking experience with the added benefit of being member-owned and … Contact Charter Oak Federal Uncasville. Phone Number: (860) 446-8085. Toll-Free: (800) 962-3237. Report Phone Problem. Address: Charter Oak Federal Credit Union Uncasville - Mohegan Sun Branch 1 Mohegan Sun Boulevard Uncasville, CT 06382. Website:
2 Charter Oak Federal Credit Union Branch locations in Dayville, CT. Find a Location near you. View hours, phone numbers, reviews, routing numbers, and other info.. Bpm finde
Charter Oak Federal Credit Union is headquartered in Waterford and is the 3 rd largest credit union in the state of Connecticut. It is also the 300 th largest credit …Charter Oak Federal Credit Union, Waterford, Connecticut. 3,465 likes · 44 talking about this. Trusted for over 80 years, Charter Oak has taken a... Trusted for over 80 years, Charter Oak has taken a holistic approach to banking.Charter Oak Federal Credit Union, a credit union headquartered in Waterford, Connecticut. Charter Oak State College, a Connecticut public college offering distance education courses. Charter Oak, a schooner and cargo ship out of Boston used in the American Civil War, captured by Confederate forces and burned in …Charter Oak is proud to offer at least one $2,000 scholarship to each high school with an enrollment of 100 students or more in New London and Windham counties. ... Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237. Rate Center; Important Alerts; Branch / ATM Locations & Hours; Holiday …Contact Charter Oak Federal Waterford. Phone Number: (860) 446-8085. Toll-Free: (800) 962-3237. Report Phone Problem. Address: Charter Oak Federal Credit Union Waterford Branch 3 Boston Post Road Waterford, CT 06385. Website:The FTC shows just how costly these scams can be, with over $300 million lost last year, nearly a 50% increase over the prior year. The median broken heart cost $2,500 and maybe a lot of tears. Approach potential heart throbs with an abundance of caution no matter how convincing they are.Oct 20, 2019 · Charter Oak Federal Credit Union. Banks & Credit Unions. 1055 Hartford Turnpike Waterford CT 06385. (860) 446-8085. (800) 962-3237. Visit Website. Advertisement Since charter schools don't charge tuition, they must find other ways to receive funding. State laws determine exactly how charter schools are funded. They typically ...Charter Oak Federal Credit Union is a a not-for-profit financial cooperative providing New London and Windham County with banking services. Photos. Find Related Places. Banks. Credit Union. Reviews. 1.5 8 reviews. Daniel M. 9/16/2016 Charter Oak Credit is by far the best bank anywhere. My daughter got her first car loan here at a fantastic rate. If you are …At Charter Oak Federal Credit Union, we’re here to guide you through the process of becoming a homeowner. We are committed to not just help buyers navigate the landscape of purchasing a first home, but to purchase the right one! 5 CHFA.org, 2021, CHFA Resource Map, Accessed September 20, 2021, … Phone Number: (860) 446-8085. Toll-Free: (800) 962-3237. Report Phone Problem. Address: Charter Oak Federal Credit Union Willimantic Branch 893 Main Street Willimantic, CT 06226. Website: Visit Website. Charter Oak Federal Credit Union will NEVER call or send an email or text message requesting you to provide sensitive information. Should you receive this type of request for personal information, please contact us immediately by phone @ 860.446.8085 or in person at any branch.Charter Oak will be hosting a Shred Day on Saturday, May 18 th at 9am-11am at the following locations: HQ – 1055 Hartford Turnpike, Waterford, CT 06385. Norwich – 1 Connecticut Ave., Norwich, CT 06360. Dayville – 589 Hartford Pike, Dayville, CT 06241. To accommodate as many members as possible, a two …This question is about Affinity Plus Federal Credit Union @sydneygarth • 07/15/21 This answer was first published on 07/15/21. For the most current information about a financial pr... Fixed Rate Home Equity Loan. For home improvement, debt consolidation, education, or a new car. Whatever your personal dream is, a fixed-rate home equity loan from Charter Oak is the smart way to borrow. (Please consult your tax advisor for interest deductibility.) *Some fees apply for loans greater than $250,000. About Charter Oak Federal Credit Union. Charter Oak Federal Credit Union has an average rating of 1.7 from 17 reviews. The rating indicates that most customers are generally dissatisfied. The official website is charteroak.org. Charter Oak Federal Credit Union is popular for Financial Services, Banks & Credit Unions. Charter Oak Federal Credit Union 1055 Hartford Turnpike Waterford, CT 06385 860.446.8085 800.962.3237. Rate Center; Important Alerts; Branch / ATM Locations & Hours; Charter Oak Federal Credit Union, a credit union headquartered in Waterford, Connecticut. Charter Oak State College, a Connecticut public college offering distance education courses. Charter Oak, a schooner and cargo ship out of Boston used in the American Civil War, captured by Confederate forces and burned in …May 13, 2021 ... Charter Oak Federal Credit Union has named Susan Shepherd, an experienced banker with more than two decades of lending expertise, ....