Credit unions operate to serve their members and communities. One way they do that is by promoting thrift and offering competitive rates with a focus on the best interest of the borrower - in this case students. When you choose to borrow from your credit union, you'll benefit from great rates, low fees, convenient repayment terms, and most ...Apr 25, 2023 · With Great River Federal Credit Union Mobile, free access to your accounts is at your fingertips. Manage your money anytime from anywhere. Simply sign in using your username and password or Touch ID, and get started. Features: Security: Great River Federal Credit Union Mobile is as secure as online banking, protected by advanced technology. Great River Federal Credit Union, Saint Cloud, Minnesota. 4,033 likes · 16 talking about this · 93 were here. GRFCU is a full service financial institution, where every story matters. We know that...Whether you accept payments online, in person, curbside, in-app or over the phone, Elavon and Great River Federal Credit Union have you covered. Let Elavon find a solution for your business. Call Jason Glassen at 612.532.4763 or email [email protected] to get started!If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...Benefits of Great River Federal Credit Union ATM Services. Great River Federal Credit Union ATMs offer a convenient and cost-effective way for members to access their funds, make deposits, and complete other financial transactions. Whether you need to withdraw cash, check your account balance, or make a deposit, credit union ATMs are available ... Jun 14, 2022 · Official Four Flags Area Credit Union & GRFCU Merger 3/01/2022 Four Flags Area Credit Union member data will be merging into GRFCU between 07/30/2022 and 08/02/2022. Please conduct all financial transactions utilizing your Four Flags Area Credit Union account and in-branch before 5:00pm EST on 07/29/2022. 10.49%. 240 Months++. 2APR is Annual Percentage Rate. Subject to credit approval. The rates listed assumes automatic payment methods and are for new loans to GRFCU only. Rates reflect all available discounts. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors.Toggel Navigation Menu. LogoutIn 1999, we changed our name to Great River Federal Credit Union to better reflect our field of membership. Not only were we serving the needs of the Trades and Labor Union workers, we were serving the needs of employees from over 80 employer groups in the state of Minnesota, where the “Great River” begins. In April of 2001, Great River ...In 1999, we changed our name to Great River Federal Credit Union to better reflect our field of membership. Not only were we serving the needs of the Trades and Labor Union workers, we were serving the needs of employees from over 80 employer groups in the state of Minnesota, where the “Great River” begins. In April of 2001, Great River ...Great River Federal Credit Union, Saint Cloud, Minnesota. 4,033 likes · 16 talking about this · 93 were here. GRFCU is a full service financial institution, where every story matters. We know that...Join Great River Federal Credit Union. Great River serves multiple organizations with various common bonds not listed in other categories, providing financial services tailored to the unique needs of these diverse groups. The TOM Code for the credit union is 98 (Multiple common bond - other). Great River Federal Credit Union, Saint Cloud, Minnesota. 4,033 likes · 16 talking about this · 93 were here. GRFCU is a full service financial institution, where every story matters. We know that... Since 1943, Red River Credit Union has grown from a small group of Red River Army Depot employees to well over 120,800 members. Over the years, our vision has not changed and we remain focused on serving our unique communities. Our Annual Reports chronicle our impressive history and, even though our new logo does not include Federal, we remain ... You are eligible to join Great River Federal Credit Union if: Or if you live anywhere in the United States and simply join the American Consumer Council (a non-profit organization dedicated to consumer education and advocacy). It’s Free to join and with this membership, you will have access to financial education and articles. We offer two valuable student loan options. At Great River Federal Credit Union, we’re committed to helping students find the best funding for their education. You’ll see significant cost-savings by choosing your credit union’s college student loan over other lenders. Education Matters! Use our student loan refinancing calculator.If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Aug 15, 2022 · Immediate family members of current Great River Federal Credit Union membership also qualify for member, as do the employees of nearly 40 Select Employer Groups. New Rate 5.12% - 2/15/2023. Great River Federal CU has added a 5.12% APY CD for a 15month period. 37 Months 4.33% APY ,Great River FCU - 11/4/2022. Not enough to exercise bump probably. Great River Federal Credit Union. ... Members are currently unable to view credit card information via Online Banking. As we work on a resolution, login to www ...Classic Auto. 8.74%. 84 Months. 1APR is Annual Percentage Rate. Subject to credit approval. The rates listed assume automatic payment methods and are for new loans to GRFCU. Rates reflect all available discounts. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors, including collateral details.Great River Federal Credit Union. ... Members are currently unable to view credit card information via Online Banking. As we work on a resolution, login to www ... How Much Will My Auto Payments Be? How much will your monthly car payment be? Before taking the leap, be sure to understand how much car you can afford each month. Calculate your monthly car payments with this calculator. Whether you accept payments online, in person, curbside, in-app or over the phone, Elavon and Great River Federal Credit Union have you covered. Let Elavon find a solution for your business. Call Jason Glassen at 612.532.4763 or email [email protected] to get started! If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...Great River Federal Credit Union was chartered on Dec. 13, 1999. Headquartered in St. Cloud, MN, it has assets in the amount of $153,960,973. Its 14,995 members are served from 4 locations. Jul 12, 2023 · Great River Federal Credit Union has an overall rating of 4.0 out of 5, based on over 19 reviews left anonymously by employees. 83% of employees would recommend working at Great River Federal Credit Union to a friend and 83% have a positive outlook for the business. This rating has decreased by -2% over the last 12 months. mymazda
If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... I highly recommend Great River Federal Credit Union when considering a long-term career. Great River provides great opportunities for advancement and values its employees. Employees enjoy a wide range of benefits such as: 8 Hours/Year Paid Volunteer Time (During Work) Wellbeing Programs to Boost Happiness, Health, and Wellness Classic Auto. 8.74%. 84 Months. 1APR is Annual Percentage Rate. Subject to credit approval. The rates listed assume automatic payment methods and are for new loans to GRFCU. Rates reflect all available discounts. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors, including collateral details.VISA ® Credit Card Agreement. Contact us at 320.252.5393 or [email protected] to request a copy of your VISA ® Credit Card Agreement. If you send us an email, do not include any personal sensitive information in your message, such as social security numbers, account numbers, etc. Regular email is not secure.I highly recommend Great River Federal Credit Union when considering a long-term career. Great River provides great opportunities for advancement and values its employees. Employees enjoy a wide range of benefits such as: 8 Hours/Year Paid Volunteer Time (During Work) Wellbeing Programs to Boost Happiness, Health, and Wellness Great River offers employees a wide range of benefits, including an industry leading 401K match of 7%, paid volunteer time, and paid time off for… Liked by Brant Hicks View Brant’s full profileIf you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...Find out what works well at Great River Federal Credit Union from the people who know best. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. Compare pay for popular roles and read about the team’s work-life balance. Uncover why Great River Federal Credit Union is the best company for you. IMPORTANT: Interest on federal student loans will resume on Sept. 1, 2023, and payments will be due starting in October 2023. Visit studentaid.gov for details. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender.If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...Conveniently access your line of credit using online banking, phone banking, or contacting a Member Advisor. System generated advances will occur in the lesser of $300, or the balance that is available in your Line of Credit. Minimum payment is $20 for balances of $500 or less. Minimum payment increases by $20 for each additional $500 advanced.tesla inside
As an added convenience, we can take your payment by phone by calling 320.252.5393. There is a $15.95 charge for employee-assisted payments through ProPay. Minimum transaction amount: $1.00. Maximum Transaction Amount: The lesser of the payoff amount or $3,000. Refer a Friend to Great River Federal Credit Union. Share the benefits of our student lending solution! ... Learn more about our credit union at greatriverfcu.org .Discover Great River Federal Credit Union's 9 branches across 9 cities in 2 states. Check today's hours, find phone numbers, addresses, and maps for each location. Please note, services can vary, so contact your local branch for specifics. Calculate loan payments, savings growth, debt payoff, and more. If you have difficulty accessing this webpage or any element of Great River Federal Credit Union’s website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...Great River Federal Credit Union, Saint Cloud, Minnesota. 4,033 likes · 16 talking about this · 93 were here. GRFCU is a full service financial institution, where every story matters. We know that...Great River Federal Credit Union. ... Members are currently unable to view credit card information via Online Banking. As we work on a resolution, login to www ... Great River Federal Credit Union. The Foley Branch is located at 161 Glen Street, Foley, MN 56329. The branch is one of 9 locations available to members. The Foley Branch is not open today. Find contact details, location map, member reviews, and more below. Services. Locations. Great River Federal Credit Union. The Foley Branch is located at 161 Glen Street, Foley, MN 56329. The branch is one of 9 locations available to members. The Foley Branch is not open today. Find contact details, location map, member reviews, and more below. Services. Locations. If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Share Certificates. 10 Dividend Rates and Annual Percentage Yields for time accounts are fixed for the term of the share certificate. Share certificates require $500.00 minimum opening deposit, unless otherwise noted. For time accounts, interest begins to accrue on the business day you deposit non-cash items such as checks.10.49%. 240 Months++. 2APR is Annual Percentage Rate. Subject to credit approval. The rates listed assumes automatic payment methods and are for new loans to GRFCU only. Rates reflect all available discounts. Doc Prep fee and other restrictions may apply. Loan amounts will be determined by income and other factors.bloodmoney
Immediate family members of current Great River Federal Credit Union membership also qualify for member, as do the employees of nearly 40 Select Employer Groups. New Rate 5.12% - 2/15/2023. Great River Federal CU has added a 5.12% APY CD for a 15month period. 37 Months 4.33% APY ,Great River FCU - 11/4/2022. Not enough to exercise bump probably.Conveniently access your line of credit using online banking, phone banking, or contacting a Member Advisor. System generated advances will occur in the lesser of $300, or the balance that is available in your Line of Credit. Minimum payment is $20 for balances of $500 or less. Minimum payment increases by $20 for each additional $500 advanced.If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Dec 31, 2022 · Then NCUA provides quarterly Call Reports using accounting and statistical information from each credit union. The Call Report includes Balance Sheet, Income Statement and more. Statement of financial condition for GREAT RIVER FEDERAL CREDIT UNION as of: December 31, 2022. Charter Number: 24632. Assets. Great River Federal Credit Union - Business Information. Banking · Minnesota, United States · 56 Employees. Originally chartered in 1948 as "The Machinists Federal Credit Union," the credit union served the needs of employees at the refrigerator factory Franklin Manufacturing.Jul 24, 2023 · Refer a Friend to Great River Federal Credit Union. Share the benefits of our student lending solution! ... Learn more about our credit union at greatriverfcu.org . Benefits of Great River Federal Credit Union ATM Services. Great River Federal Credit Union ATMs offer a convenient and cost-effective way for members to access their funds, make deposits, and complete other financial transactions. Whether you need to withdraw cash, check your account balance, or make a deposit, credit union ATMs are available ... If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...Loan Details. * Are you a current Great River Federal Credit Union member: * Type of Loan: Include Co-Applicant: * Requested Amount: * Term (in months): Select a Loan Type... Purpose of Loan: Promotion Code: VISA ® Credit Card Agreement. Contact us at 320.252.5393 or [email protected] to request a copy of your VISA ® Credit Card Agreement. If you send us an email, do not include any personal sensitive information in your message, such as social security numbers, account numbers, etc. Regular email is not secure.If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Share Certificates. 10 Dividend Rates and Annual Percentage Yields for time accounts are fixed for the term of the share certificate. Share certificates require $500.00 minimum opening deposit, unless otherwise noted. For time accounts, interest begins to accrue on the business day you deposit non-cash items such as checks. You are eligible to join Great River Federal Credit Union if: Or if you live anywhere in the United States and simply join the American Consumer Council (a non-profit organization dedicated to consumer education and advocacy). It’s Free to join and with this membership, you will have access to financial education and articles. If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... About Great River Federal Credit Union Promotions . Great River Federal Credit Union is headquartered in Saint Cloud, Minnesota, and was established in 1948. Since then they have opened 4 new locations, offer CD rates that are 68% higher than the national average, and they have an A health rating.If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Join Great River Federal Credit Union. Great River serves multiple organizations with various common bonds not listed in other categories, providing financial services tailored to the unique needs of these diverse groups. The TOM Code for the credit union is 98 (Multiple common bond - other). h d.net login
Get a better idea of how well Great River Federal Credit Union can serve you by checking out their branches closest to your area: 18146 198th Avenue Northwest Big Lake, MN 55309 320--25-2-53 DirectionsIf you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... VISA ® Credit Card Agreement. Contact us at 320.252.5393 or [email protected] to request a copy of your VISA ® Credit Card Agreement. If you send us an email, do not include any personal sensitive information in your message, such as social security numbers, account numbers, etc. Regular email is not secure.How Much Will My Auto Payments Be? How much will your monthly car payment be? Before taking the leap, be sure to understand how much car you can afford each month. Calculate your monthly car payments with this calculator.If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Immediate family members of current Great River Federal Credit Union membership also qualify for member, as do the employees of nearly 40 Select Employer Groups. New Rate 5.12% - 2/15/2023. Great River Federal CU has added a 5.12% APY CD for a 15month period. 37 Months 4.33% APY ,Great River FCU - 11/4/2022. Not enough to exercise bump probably.If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Refer a Friend to Great River Federal Credit Union. Share the benefits of our student lending solution! ... Learn more about our credit union at greatriverfcu.org .As an added convenience, we can take your payment by phone by calling 320.252.5393. There is a $15.95 charge for employee-assisted payments through ProPay. Minimum transaction amount: $1.00. Maximum Transaction Amount: The lesser of the payoff amount or $3,000.If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Great River Federal Credit Union The Waite Park Branch is located at 206 First Street South, Waite Park, MN 56387. The branch is one of 9 locations available to members. Apr 25, 2023 · With Great River Federal Credit Union Mobile, free access to your accounts is at your fingertips. Manage your money anytime from anywhere. Simply sign in using your username and password or Touch ID, and get started. Features: Security: Great River Federal Credit Union Mobile is as secure as online banking, protected by advanced technology. Great River Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 2.11% (excellent) based on March 31, 2022 data. In the past year, Great River has increased its total non-brokered deposits by $72.11 million, an excellent annual growth rate of 32.76%.nortonlifelock customer serviceGreat River Federal Credit Union. ... Members are currently unable to view credit card information via Online Banking. As we work on a resolution, login to www ...With Great River Federal Credit Union Mobile, free access to your accounts is at your fingertips. Manage your money anytime from anywhere. Simply sign in using your username and password or Touch ID, and get started. Features: Security: Great River Federal Credit Union Mobile is as secure as online banking, protected by advanced technology. If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...How Much Will My Auto Payments Be? How much will your monthly car payment be? Before taking the leap, be sure to understand how much car you can afford each month. Calculate your monthly car payments with this calculator. If you have difficulty accessing this webpage or any element of Great River Federal Credit Union’s website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Refer a Friend to Great River Federal Credit Union. Share the benefits of our student lending solution! ... Learn more about our credit union at greatriverfcu.org .Aug 15, 2022 · Immediate family members of current Great River Federal Credit Union membership also qualify for member, as do the employees of nearly 40 Select Employer Groups. New Rate 5.12% - 2/15/2023. Great River Federal CU has added a 5.12% APY CD for a 15month period. 37 Months 4.33% APY ,Great River FCU - 11/4/2022. Not enough to exercise bump probably. If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Great River Federal Credit Union, Saint Cloud, Minnesota. 4,033 likes · 16 talking about this · 93 were here. GRFCU is a full service financial institution, where every story matters. We know that... If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...Conveniently access your line of credit using online banking, phone banking, or contacting a Member Advisor. System generated advances will occur in the lesser of $300, or the balance that is available in your Line of Credit. Minimum payment is $20 for balances of $500 or less. Minimum payment increases by $20 for each additional $500 advanced.How Much Will My Auto Payments Be? How much will your monthly car payment be? Before taking the leap, be sure to understand how much car you can afford each month. Calculate your monthly car payments with this calculator. webroot login
Quickly find nearby credit union locations. 1420 W St Germain St, Suite 101. Affinity Plus Federal Credit Union St Cloud - Campus Branch. Affinity Plus Federal Credit Union. 2835 West St Germain St, Suite 100. Great River Federal Credit Union Sauk Rapids Branch. 4 North 2nd Ave Sauk Rapids, MN. St. Cloud Financial Credit Union Sauk Rapids Branch. If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Join Great River Federal Credit Union. Great River serves multiple organizations with various common bonds not listed in other categories, providing financial services tailored to the unique needs of these diverse groups. The TOM Code for the credit union is 98 (Multiple common bond - other).If you have difficulty accessing this webpage or any element of Great River Federal Credit Union’s website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Jul 24, 2023 · Refer a Friend to Great River Federal Credit Union. Share the benefits of our student lending solution! ... Learn more about our credit union at greatriverfcu.org . Toggel Navigation Menu. Logout If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...Great River Federal Credit Union. ... Members are currently unable to view credit card information via Online Banking. As we work on a resolution, login to www ...fredrick colorado
If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ...If you have difficulty accessing this webpage or any element of Great River Federal Credit Union's website, please call us at 1.888.211.5393 or email us at [email protected] and we will work with you to provide the information you seek through a communication method that is accessible to you. Great River is actively taking steps to further ... Great River Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 2.11% (excellent) based on March 31, 2022 data. In the past year, Great River has increased its total non-brokered deposits by $72.11 million, an excellent annual growth rate of 32.76%.Great River Federal Credit Union encourages you to exhaust your scholarship, grant, and federal student loan options before applying for any type of private student loan. All applications are subject to credit approval. Interest rates vary and are based upon borrower and/or co-borrower (where applicable) credit and other underwriting criteria.