Ovuviyu an Bakgrong ob Trankwili Credit Yunion
Trankwili Credit Yunion Koparetiv Sosaiyati Limitid (TCU) is a finanshal oganizayshon weh memba dem oun it. Dem stat it up in 1952, speshal fo di wokaz dem in di enaji sekta in Trinidad an Tobago. From den til now, dem grom big, wit asit weh pas wan hondrid an twenti-fo milyan TT dola an ova wan t'aozand sevin hondrid memba. Di main ting dem did is mobilaiz moni from memba sevin, so dem kan giv aut lon wit low intres ret, an den giv bak divi-den to di memba dem. Any ekstrak moni dem mek, dem reinves bak in di yunion.
Dis kredit yunion difren frum lata ada wan bikos dem ofa very gud intres ret, an some lon yuh kan get apruval on di seim dei. Dem get wan strong konekshan wit di komyuniti tu. Bikos is a koparetiv, evry memba get wan vot, no mata how much sher yuh get. Dis mekin it a tru demokratik oganizayshon. Di oganizayshon is rijista unda di Co-operative Societies Act ob Trinidad an Tobago, so yuh no dat dem wok wit di laa.
Di main memba dem is stl frum di oil, gas, an ada enaji kompani, but di servis dem ekstend to anywan weh fit di kritiriya. Dem get wan fizikal branch on 5 Maraval Rod, Nyu Toun, Poht ob Spein, weh iz opan Monday to Fraidei from eit a.m. to tree p.m. But wid di advansment in teknoloji, dem get elektronik servis weh allow memba to akses ting frum ol ova di kanchri.
Jenis Lon an Servis Wey Trankwili Offa
Trankwili Credit Yunion provaid a difrent rang ob lon prodok to meet di niid ob dem memba. Dis rang ob lon mek it posibl fo difrent finanshal situiayshon.
- Jenaral Lon: Dis is a fleksibl lon fo difrent jenis ob poypos.
- Hed Stat Lon: Probobli fo nyu memba or fo small-small projeks.
- Hom Bilda Lon: Fo memba weh wud laik to bild or bai wan haus.
- Biznes M2M Lon: Speshal fo memba weh wan stat or ekspand wan small biznes.
- Det Konsolidayshon Lon: Fo help memba puul ol dem det into wan lon, so it is iza to manij.
- Krismas Voucha Lon: Speshal lon fo di holidei saison.
- Otomotiv Lon: Fo bai wan kaa or ada vaikil.
- Aplayans & Foonicha Lon: Fo bai haus tingz laik frij, stov, bed, sofa.
- Dividen Lon: Dis lon is posibl agenst yuh fyuwcha divi-den.
- Lain ob Kred-it: Dis wan giv yuh akses to moni weh yuh kan boro an pai bak az yuh niid it, up to a serten limit.
Di lon amoun dem stat from a minimum ob TTD 500 an go up to TTD 200,000 an mor. Di term (how long yuh get to pai bak) an fiiz vary, depen on di jenis ob lon an di amoun. Fo egzampl, a Jenaral Lon between TTD 500 an TTD 2,500 get wan aplikayshon fi ob TTD 25 an wan maksimom term ob ten mont. But fo lon TTD 200,001 an ova, di aplikayshon fi is TTD 750 an di maksimom term is eit-ti-fo mont (7 yiez).
Ada fiiz kan inklud prosesin fi (1%–1.5%), wan kred-it riport fi (TTD 70), an fo mo-gej lon, yuh get bil ob seil an leegil fiiz ob TTD 1,650 fo di laaya, an TTD 150 fo di kredit yunion. It is impotant to not dat di egzak intres ret an APR not poblikli disklos; yuh go get notifikayshon fo dat az a memba. So, it is best to konekt wit di yunion direktli to get di mos op-to-deit infomasyon on ret an fiiz.
How to Aplai, Fiiz an Kondishon
Aplain fo wan lon or joina Trankwili Credit Yunion iz a strait-fo-wod proses, weh yuh kan du it bai fizikali vizit di branch or yuz dem elektronik platfohm. To aplai fo memba-ship, prospektiv memba get to fil aut wan memba-ship aplikayshon fom an wan Sors ob Fon deklarayshon, weh dem kan daunlod frum di websait. Yuh go niid to provaid proof ob empoyment in di enaji sekta, a fota ID, proof ob adris, an wan minimum TTD 1 sher depozit.
Wen it kom to gettin a lon, Trankwili Credit Yunion yuz kred-it riport frum TransYunion, an dat get a TTD 70 fi. Di andara-raitin proses luk at yuh inkam, yuh empoyment in di enaji sekta, how much sher yuh get in di kredit yunion, an yuh det-servis resho. Dis helpt dem to mekin shor dat yuh kan afod di lon. Di moni from di lon kan disbos in a difrent weh: bai bank transfa via ACH (free fo domestik, TTD 1.75 fo intabank), elektronik moni thru TTARP, or even kash dishbosment direktli at di branch.
Fo lon weh get kolatral, laik mo-gej lon or vaikil lon, yuh go niid bil ob seil an ada leegil papaz. Fo mo-gej, di fiiz fo ri-lis di did iz TTD 1,250. Fo memba dem weh wok in partna kompani, di lon pai-bak kan aranj thru pairol didokshon. If yuh late wid pai-ment, dem go chaaj yuh late pai-ment fiiz, but di egzak amoun ob dat ent poblikli no. It iz always best to klari-fai ol fiiz an kondishon bifor yuh sain any papaz.
Elektronik Servis, Ap an Regulayshon
Trankwili Credit Yunion kommitid to yuzin teknoloji to mekin finanshal servis iza fo dem memba. Dem get a fon ap weh yuh kan daunlod on bot iOS an Android divais. Dis ap kom wit difrent feechaz laik a lon kalkyuleeta, e-steitment (akami steitment yuh get tru email), stanin ordaz, bil pai-ment, an mema notifikayshon. So yuh kan manij yuh akant an lon frum yuh fon, no mata weh yuh de in di kanchri. Di websait, tranquillitycu.com, iz fuli responsiv an ofa onlain bankin login, lon prodok ditail, an a dokyument laibrari wit PDF fom an annyual riport.
Wan impohtant aspik ob any finanshal instityushon iz its regulatowri statis. Trankwili Credit Yunion iz l aisens unda di Co-operative Societies Act ob Trinidad an Tobago. Dis min dem wuk unda di laa ob di kanchri. Dem regulatid bai di Co-operative Divizhon, weh iz part ob di Ministry ob Labour an Small Enterpraiz Divelopment. Dis ovasiht mekin shor dat di kredit yunion oparet fairly an in di best intres ob its memba. Dem get mandatori memba edyukayshon, wokshop, an finanshal litrasi pro-gram to help memba ondas-tan dem moni betta. If yuh get a komplant, dem get fomal Member Servis protokols to handle it, an dem poblish a praivasi polisi an termz ob yuz on dem websait.
Komparison, Kliyen Say What an Advis fo Yuh
In Trinidad an Tobago, Trankwili Credit Yunion iz wan amang roun 200 rijista kredit yunion. Wid asit ob ovah TTD 124 milyan, dem stan in di mid-tiya wen yuh kompaia dem to di bigis wan weh get ovah TTD 1 bil-yan. Dem main kompetita dem inklud First Citizens Co-operative Credit Union, National Petroleum Employees’ Co-operative Credit Union, an SFCCU. What mekin Trankwili difren is dem fokus on di enaji sekta, di posibiliti fo seim-dei lon apruval, an dem Biznes M2M entreprenaship pro-gram.
Kliyen rivyu an endosment on platfohm laik LinkedIn shoo dat peepol hapi wit di seim-dei lon apruval, kompetitiv ret, an eksepshonal kliyen servis. Howeva, some memba don menshon tingz laik limitid branch aur an some gap in di digital feechaz, but dat infomasyon ent ril ofishali no. Di kredit yunion get a dedikeitid helplain (+1 868 612 0273) an email ([email protected]) fo kliyen servis. Memba tstimoni ofn talk bout how Trankwili helpt dem bai haus, konsolideit det, an stat biznes.
Praktikal Advis fo Yuh Weh Wan Boro Moni:
If yuh tinkin bout gettin a lon frum Trankwili Credit Yunion, yuh shud tek note ob a fyoo tingz. Fos, always konekt wit dem direktli to konfirm di egzak intres ret an APR, bikos dem not poblikli disklos. Mek shor yuh ondas-tan ol di fiiz weh invold, frum aplikayshon fi to prosesin fi an any leegil chaaj fo kolatral. Tek time to read troo di termz an kondishon bifor yuh sain anyting. Mek shor yuh fit di kritiriya, espeshali di empoyment in di enaji sekta. Yuz dem elektronik servis, di fon ap an di websait, to manij yuh akant an lon, it mekin it iza. Trankwili Credit Yunion kan be a gud op-shon, espeshali if yuh in di enaji sekta, but ondas-tanin di deteyl is ki.
