margin: 0px 0px 0px 40px; 100% financing up to $970,800 loan amount, 95% financing for $970,801 to $1,500,000 loan amounts, 90% financing for $1,500,001 to $2,000,000 loan amounts, Purchases and rate/term refinances are eligible, Receive up to a $500 gift card at closing*. height: 16px; However, wouldnt it be better if your bank worked for you and not against you? And before we write another sentence, lets be clear: PhysicianSense and MDLinx receive no compensation if you should choose to bank with any of these institutions. }.form54 After the initial seven year period, your interest rate can increase or decrease biannually based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the Secured Overnight Financing Rate (SOFR) index as published on the New York Federal Reserve website, plus our margin, which varies among ETFCU adjustable-rate mortgage products. 888-288-3261 | 520 Hayden, Saginaw, MI 48607 | Routing Number: 272484470, Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. You treat our minds and bodies and attend to our beloved pets. float: right; -ms-filter: "progid:DXImageTransform.Microsoft.Alpha(Opacity=100)" !important; border-color: #dbdbdb; vertical-align: middle; The interest rates they offer will depend on individual credit scores, so keep that in mind. min-height: 31px; display: inline-block; display: table-cell; .input_active { color: #000; input.title{ position: absolute; }.form54. .wdform-matrix-cell input[type="text"] { }.form54 .file-picker { border-radius: 0px; font-family: Segoe UI; Balance owed on all liens attached to the property including all mortgages as well as any home equity loans or lines of credit. If you do, youll receive: You might have to deal with clunkier technology and the hassle of depositing cash from time to time, but in this case, these few cons do not outweigh the pros. padding: 3px 4px; }.form54 padding:0 3px !important; background: #000; }.form54 input[type="password"]{ .previous-page div.wdform-page-button { text-align: left; border-radius: 0px; We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. For example, its often difficult (or in the case of Ally, impossible) to deposit cash. input[type=email]{ }.form54 width: 100px; cursor: pointer; }.form54 }.form54 // background-color:#e0e0e0; We Do Business In Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act | NCUA Information | APR = Annual Percentage Rate | APY = Annual Percentage Yield | Rates are subject to change | See Team One for details | Privacy Policy | 2022 Team One Credit Union, Physicians and Healthcare Professionals Mortgage Program, Available to doctors (MD, DO, DDS, DPM), Physician Assistants, Registered Nurses, and Certified Registered Nurse Practitioners, Purchase of one unit Primary Home with up to 100% financing available. outline: none; border-spacing: 2px;

border: none; max-width: 200px; No fees, no problems. .wdform-page-and-images { Flexible terms and stable monthly payments. border-width: 1px; .wdform_section .wdform_column:last-child { However, it often pays to shop around and compare qualifying offers. You need a bank. display: table-row; line-height: 22px; font-size: 16px; background:url( no-repeat right #000; .sel-imul.act .sel-selected { }.form54 Actual interest rate may vary based on credit history. Whether you need help with monthly budgeting plans or debt repayment strategies, our partners will put you on the winning path. line-height: 17px; .wdform-required { }.form54 color: transparent; display: table-row; vertical-align: middle; }.form54 ETFCU verifies the past checking history of applicants with ChexSystems, a national consumer reporting network. }.form54 This includes home and auto loans. padding-left: 5px; float: left; margin: 0px; Rates listed are specific to the Physician Loan mortgage program. margin: 0px; View fraud prevention tips and common scams in the area. Purchase or construction loan amounts up to $149,999 will receive a $250 gift card. padding: 0px; NOTICE: Due to increased traffic, }.form54 For example, Ally refunds any ATM fees up to $10 each month. Higher interest rates on savings accounts, . text-align: right !important; background: #dbdbdb; margin: 0px; }.form54 .am_pm_select { Rates vary based on borrower financial qualifications and loan to value. .wdform-label { background: #8A8A8A !important; cursor: pointer; color: red; Keep moving ahead with no minimum balance or monthly service fees slowing you down. .sel-wrap { margin: -4px 5px 5px 5px; border-radius: 0px; color: #8A8A8A; By contacting you certify that you are a medical professional or the spouse of one. display: none; overflow-y: auto; By skipping this step all together, online banks and credit unions tend to pass the additional savings along to customers. // before form reset background: #000; Discover opportunities to improve your credit score and grow your money management skills. .wdform_separator { When it comes to finding a better bank or credit union, the best solution is often to pick one that exists only online. .ui-widget-content { Equal Housing Lender. .wdform-element-section { We'll work with you to find the best mortgage for your needs. padding: 0 20px 0 36px; .file-upload-status { line-height: 35px; .wdform_section { height: 32px; height: 30px; background: #F8F8F8; All of the loan officers listed here specialize in working with doctors ONLY. white-space: nowrap; min-width: 80px; position: relative; }.form54 }.form54 Bank anytime. Compare that to $27 with Chase.

width: 50px; height: 23px; margin: 0px; Sizable dividends and easy access are the feature attractions. .phone_number { Now we have a chance to return the kindness with low-cost, no-down-payment mortgages that we hope will help improve your financial health. border-width: 0px; An XL loan for those higher-priced properties. input[type=url]{ .wdform-quantity { }.form54 This special mortgage program was designed especially for Physicians and Healthcare Professionals. }.form54 There are a few drawbacks that you need to know about. background-color: #F0EFEF; }.form54 Any change may significantly impact your monthly payment. If bank or credit union doesnt have ATMs, you might want to maintain a traditional bank account that you use to move cash or other deposits over to your higher-yield online accounts. Does Your Specialty Match Your Zodiac Sign? Your local credit union, a national credit union, or an online bank might suit you better. dalacin clindamycin tabletas cardura cpsulas Protect your home and auto through a trusted company with over 80 years of experience. top: -4px; padding: 0px; }.form54 Find yourself in a position where you need to take out $100 at a gas station ATM, and you end up paying almost an additional $10 in fees after the ATM and your bank get their cuts. function before_submit() { Certain product exclusions may apply. Learn to manage your money at your pace with help along the way. The National Credit Union Administration is a U.S. Government Agency. Discuss IRAs, mutual funds, life insurance, and more with an on-site Wealth Management Advisor. { vertical-align: bottom; font-size: 16px; vertical-align: middle; height: 27px; Most recent flood insurance declaration page (if applicable). Lets say you have a 3-month. line-height: 16px; Looking for your second home and need a way to get out of your first? height: 38px; }.form54 .wdform-page-and-images .other_input // border-left:1px solid #bbb; Available to residents, fellowship, newly established, or established physicians with MD, DO, DDS, DMD, OD, or DP credentials. Contact an ETFCU mortgage loan officer for further details. background-color: #FFF; border: 1px solid transparent; margin: 7px 0px; }.form54 However, it often pays to shop around and compare qualifying offers. select { Prior two years addresses and dates of residence. Get MORE freedom with auto loan rates as low as. border-spacing: 0px; All mortgage rates include Extra Credit Discountand require credit and loan approval. Leave your wallet in your pocket, or at home, and just tap your phone toward the point of sale for a contactless transaction. Get financially fit by adding power to your portfolio. some members are experiencing intermittent

color: #FFF; text-align: right; .sel-imul:hover .sel-selected .sel-arraw { }.form54 vertical-align: middle; External websites may provide less security than your credit union's website and may not meet the same ADA accessibility guidelines. Get MORE access to your money with Arbor's mobile app, digital wallet, and access to over 30,000 surcharge-free ATMs. Apply online or call us today at (812) 469-9928 or 1-800-800-9271 to get started. .page_percentage_deactive { background: #F8F8F8; height: 22px; vertical-align: top; .warning *, .form54 cursor: pointer; of $30,000 sitting in either of those savings accounts. .wdform-matrix-row0 { color: #000 max-width: none; .sel-imul .sel-options { Explore helpful articles featuring financial tips, how-tos, news, and more. color: #000000; If not, we plan to put one there with these home loans with special terms. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. margin: 0px; padding: 6px 10px; .ui-slider-range { }.form54 .selected-text { .forlabs { height: 29px; cursor: pointer; }.form54 padding: 5px; .file_upload { Click here to view our accessibility statement. 2004 - 2022 Evansville Teachers Federal Credit Union. Protect your assets. border:none !important; cursor: pointer; text-align: center; Explore different options to finance college tuition and more. display: inline-block;

Evansville Teachers Federal Credit Union neither endorses nor guarantees any product, service, information, or recommendation made at an external website. border-radius: 0px; .sel-imul.act .sel-selected .sel-arraw { margin-left: 25px; margin: 0px; padding-right: 50px !important; It's easy to open your account online or switch your account to become an Arbor Financial member. .mini_label {

vertical-align: middle; font-family: Segoe UI; cursor: pointer; .wdform-date {

}.form54 min-height: 35px; background-position: right 2px center; width: 100%; width: 30px; margin: 0px; Open a checking account with a debit card. Just try replicating that with a major national bank.

Another way credit unions and online banks pass savings along to their customers is with lower interest rates on loans. font-size: 15px; }.form54 border-radius: 0px; border-radius: 0px;

Standard mortgage rates may vary. Whether it's a new car or used one we have financing options for you. Do you want someone from this bank to contact you? color: #000; opacity: 1 !important; Information obtained from the report could result in checking account denial. Two years federal tax returns, including tax applicable schedules if you are self-employed, have rental income, farm income or additional non-W2 reported income. }.form54 }.form54 button, .form54 }.form54 .error * }.form54 ($5,000 minimum balance), you wont pay any ATM fees. font-size: 17px; height: 23px; .captcha_refresh { font-size: 14px; display: inline-block;

display: inline-block; 10 Impressive New Medical Devices to Close the Decade, Critical student loan forgiveness updates that doctors must know about, The best budgeting apps for doctors of every career stage, The cure for physician burnout: Financial independence, 13 frightening things physicians do with their money, Love in the time of COVID: How the pandemic affected physician romance, Doctors should scoop up these Black Friday deals before theyre gone, The doctors guide to surviving the 2021 holiday travel season, Three ways data analytics can help physicians, Cannibalism as medicine: Forgotten medical history. .wdform_colon { text-align: left; Pay your bills online, check your balance, apply for a loan and monitor your finances when it's convenient for you. .form-error { border: 0px solid #000 !important; By accessing this link, you will be leaving Arbor Financial's website and entering a website hosted by another party. }.form54

input[type="checkbox"] background: #4D792C;

.wdform_section_break2 { But how many years would it take to save up the lump sum youd need to pay for a house in full? Their apps can be clunky and lack the features of bigger banks. select { color: #FFF; }.form54 However, wouldnt it be better if your bank worked for you and not against you? function before_load() { Routing and Transit #: 286377777. cursor: pointer; The reasons speak for themselves. cursor: pointer; border: 0px solid white; }.form54 { width: 30px; Most recent hazard insurance declaration page. }.form54 height: 6px; Most recent W2 and pay stub for all income sources. width: 60px; }.form54 border-color: red !important; display: inline-block; text-align: center; For example, Ally refunds any ATM fees up to $10 each month. height: 13px; background: transparent; For assistance, call (812) 477-9271 or 1-800-800-9271, Option 2. Youve decided to purchase a home. { background: #fff; .page_active { Perhaps one of the most obnoxious things about major banks are ATM fees. color: #fff; }.form54 Another way credit unions and online banks pass savings along to their customers is with lower interest rates on loans. An external sites privacy policy may differ from Evansville Teachers Federal Credit Union's.

Alliant will spot you up to $20. Purchase or construction loan amounts of $150,000 or greater will receive a $500 Gift Card. margin-left: 10px; }.form54 padding: 0px 20px; Visit to calculate payments with other terms, balances, or rates. hbspt.cta._relativeUrls=true;hbspt.cta.load(20233990, 'a201857e-9ff0-4926-93cb-a2c92f84bf15', {"useNewLoader":"true","region":"na1"}); You'll need documentation for all borrowers, including: Once you've applied, we'll contact you to: Our Checking Accounts offer free access to more than 30,000 ATMs throughout Michigan and across the nation, plus fee-free access to Online Banking, Mobile Banking, Web Bill Pay, and more. margin: 16px 10px 40px 0px; There is a maximum cap of 18% APR. width: 30px; outline: none; Click here to view our accessibility statement. }.form54 Insure your loans. Ask your loan officer for more details. }.form54 background: transparent; }.form54 padding: 0px; margin: 0px; padding: 0px; All rights reserved. font-size: 13px;

input[type=text]{ padding: 1px; Not valid in combination with any other offer. }.form54 .next-page div.wdform-page-button { border-radius: 5px; border-collapse: separate !important; If you need to reach your bank at 3 a.m. on Christmas Day after your shift ends, then the bank needs to answer the phone. Explore our banking products and services including free checking accounts, savings accounts, mortgages, auto loans, small business loans and more. border: 1px solid #000000; display: none; .file-upload input { It isnt all wine and roses when banking with an online bank or credit union. margin-bottom: 1px; renner jacqueline youth valley .if-ie-div-label {

}.form54 They offer a 1.7% savings APY. input[type="password"]:focus{ }.form54 box-shadow: 0px 0px 2px #c9c9c9; padding-top: 15px; }.form54 vertical-align: middle line-height: 26px; ETFCU mortgage lending product availability may vary based on property location. textarea:focus{ margin: 0px; border: 3px solid #B1B1B1; background-color: white; .wdform-matrix-cell { border: 0px solid #D3D3D3; Local: (812) 477-9271 Toll-Free: 1-800-800-9271 Fax: (812) 473-9704 height: 29px; border-radius: 0px; }.form54 button { height: 20px; text-align: right !important; .sel-options .sel-option {

Call us today at 269.544.3105 and find out what our team can do for you! margin: 0px; height: 22px; Many credit unions and online banks will cut you breaks here. NMLS# 518136. }.form54 Meanwhile, if youre banking with, say, Chase, youre receiving a .09% APY. }.form54

height: 37px; }.form54 color: #fff; border: 1px solid #fff; padding: 0px; Closing costs may apply. These smaller organizations dont always have the best tech. }.form54 }.form54 Additional information may be required such as Divorce decree (if applicable) and/or proof of extra income such as rental income, dividends, Social Security, retirement, disability, pension, or welfare (supporting documentation is required). cursor: pointer; color: #888; .wdform_section_break { The rate on 80% adjustable-rate home equity line of credit is the prime rate as published on the first business day of each month in the Wall Street Journal. vertical-align: middle; .captcha_input { vertical-align: middle; .wdform_page_navigation { }.form54 }.form54 Ease your mind. .page_deactive { background: url( 50% 50% no-repeat; }.form54 color: black; display: inline; top: 0px; display: table-cell; .button-submit { display: none; cursor: pointer; }.form54 Get MORE peace of mind when you move forward with your financial plans with Arbor Financials wealth management program. height: 26px;

display:inline-block; We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Arbor Financial. Save for holidays, vacations and all the special moments in between. Our 95% adjustable-rate home equity line of credit has the same benefits and uses the same index with a rate of 1.5% above the prime rate. margin: 16px 0px; border: 0px; Alimony, child support or separate maintenance documentation if you wish to have it considered as basis for repaying this obligation.

Meanwhile, if youre banking with, say, Chase, youre receiving a .09% APY. Take advantage of these great Physician Loan rates today! position: absolute; .other_input { border-radius: 13px; cursor: pointer; border-color: red !important; .wdform_column { overflow: hidden; Showing how we feel about those that heal.

}.form54 .wdform_line { float: right; a.ui-spinner-button font-weight:bold; Offer available for new primary mortgage loans and mortgage loans already established at ETFCU when refinanced with at least $10,000 new money. position: absolute; // background-color:#e0e0e0; text-align: left; Financing up to 100% of the cost of single-family homes, No Private Mortgage Insurance (PMI) payments, Easy application process with a quick response, Best estimates of income, assets, and liabilities, Help you select the best program and interest rate. .page_numbers { { padding-right: 5px; Start saving for the longer term with competitive rates and certain tax advantages. }.form54 color: #999999; { text-align: center; }.form54 }.form54 All mortgage rates include Extra Credit Discount. // border-left:1px solid #bbb; This includes home and. Interest rates are what they are at the moment. .warning, .form54 border: 1px solid #B7B7B7; text-align: left; textarea { border-bottom-right-radius: 7px; color: #000; Designed for young adults (age 19-24). Take on the open road with two wheels and low rates for all types of motorcycles. Lets say you have a 3-month emergency fund of $30,000 sitting in either of those savings accounts. Great for first-time buyers with less-than-perfect credit. border: 2px solid #68943B; vertical-align: middle; border-top-left-radius: 5px; . .wdform_footer { *Gift card offer is available on financing of purchase or construction loans for primary residences only. width: 100px; For more information about this Program contact a Team One Mortgage Expert by calling 888-288-3261, click for Online Chat or visit the Team One Credit Union branch location nearest you. }.form54 .wdform-calendar-button:hover { input[type="radio"] .captcha_img { height: 22px;

font-style: normal; Learn all the features and functions that mobile and online banking offers. Rates as of July 21, 2022 9:30 AM CDT and are subject to change throughout the day. line-height: 35px; width: 13px; .sel-selected .sel-arraw { padding:0 3px !important; color: #ffffff; On the whole, however, physicians will find the level of customer support that they deserve, along with the financial perks that theyre currently missing out on, by switching to an online-only bank or credit union. float: left;

Arbor Financial Credit Union provides services to all types of families and businesses throughout the state of Michigan. .wdform-matrix-head>div { background-image: url(; Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of Arbor Financial's website. // before form is load margin-right: 20px; { or 1-800-800-9271, Option 2.

}.form54 }.form54 text-align: left; select, .form54 margin-top: 15px; .sel-options .sel-option.sel-ed { position: absolute; font-weight:bold; font-size: 12px; font-style: italic; .wdform-ch-rad-label { Extra Credit means extra savings on your first mortgage loan!

border: 1px solid transparent; textarea { min-width: 80px; }.form54 width: 30px; }.form54 .wdform_grading input { display: table-cell; }.form54 display: table-row; input.text{ border: 0px;

That being said, you likely wont get rich by smart banking alone. vertical-align: middle; }.form54

.wdform_percentage_text { color: #000; This offer is available on conventional conforming financing of purchases for primary residences only. border-width: 0px; { padding: 5px 0px; line-height: 27px; font-size: 10px; width: 100%; }.form54 .wdform_map { Consider, for example, the digital bank Ally. margin: 5px; .wdform_grading { .ui-slider { padding: 2px; background-color: #000; border-radius: 0px; }.form54 .wdform_scale_rating label { border-radius: 0px; The optimal solution might not be a traditional bank at all. Alliant will spot you up to $20. Drop your name and phone number in the form below and Ill let .button-reset { A sample principal and interest payment on a (30)-year $500,000 adjustable-rate loan amount with a 3.500% interest rate (3.575% APR) and 20% down is $1852.46. font-size: 18px; .wdform-matrix-table { width:100%; If the bank or credit union doesnt have physical locations, youll have to deposit cash at one of the institutions ATMs. // before form submit .wdform_page { They offer a 1.7% savings APY. font-size:14px; input, .form54 width: 100px; border-color: #dbdbdb; A lifestyle blog for healthcare professionals, brought to you by MDLinx. Purchase or construction loan amounts up to $149,999 will receive a $250 gift card. display: table-cell; The 7/6 product listed above is a 30-year loan where the initial interest rate is fixed for the first seven years (84 payments). color: #000; font-weight: bold; }.form54 }.form54 Anecdotally speaking, as an 8-year Ally customer, on the rare occasion Ive had to call them, I dont think Ive waited longer than a minute to speak to a representative. Closing costs may apply. }.form54 }.form54 And before we write another sentence, lets be clear: receive no compensation if you should choose to bank with any of these institutions. }.form54 color: #787878; margin: 0px; With Ally, youre earning almost $514 per year in interest. }.form54 border-right: none; vertical-align: bottom; }.form54 z-index: 100; }.form54 For example, Many credit unions and online banks will cut you breaks here. Your local credit union, a national credit union, or an online bank might suit you better. outline: none; Get peace of mind with our 24/7 protection through ID protect and Total Identity Monitoring. float: left; margin: 3px 5px 3px 9px; border-top-left-radius: 7px; display: table-cell; font-size: 20px; display: inline-block; font-size: 23px; }.form54

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