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Choosing a financial partner

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As a small business owner, you probably understand that the relationship with your financial institution is as important as your relationship with your customers. Personal service is equally important when managing personal finances. Over the last few years, neighborhood banks have merged, and decision-making has often become a long-distance struggle. Large corporations may be well-served by these financial institutions, but many local individuals and small- and medium-sized businesses now find themselves treated with indifference. If your bank is not providing the services you need to run your business or manage your personal funds wisely, then it's time to discover "The Island Advantage." North Island Credit Union, or "The Island," has been locally based and operated since it opened its doors in 1940. Today, with $1.3 billion in assets, The Island offers a diversity of financial services for consumers and small businesses, including savings, checking, real estate/vehicle/signature loans, Internet banking and business benefits programs. Revenues are reinvested into The Island Advantage for members: higher-than-bank interest; lower-than-bank loan rates and fees; and friendly, hometown service. Above all, The Island Advantage means personal attention for individual and business members alike. The credit union "difference" is that as a depositor, you become a member-owner of the institution. You "own the bank" and get the corresponding personal treatment that is entitled an owner.

Personal contact is key: Today, technology has become a dominant part of everyday financial transactions. But when it comes time for you to seek a home equity line of credit or a business loan, you need to work with a real person. Locally based, North Island Credit Union consultants can assist you in packaging the right loan program for your personal or business needs. In addition, loan decisions can usually be made in days because decisions are made here in San Diego.

Business services are competitive tools: Are you one of the many small business owners who are routinely left standing in teller lines during your lunch hour? North Island Credit Union has business facilities in select branch locations that include merchant windows, courier services, drop boxes, extended hours and Saturday banking. Phone banking, Internet banking and bill payment, cash management programs, business credit cards and an extensive ATM network will contribute to your productivity. A North Island Credit Union representative can work with you to develop a comprehensive service package -- from checking to payroll processing to business financing -- for a financially competitive offering.

Membership has its benefits: North Island Credit Union provides security for your business and employees through its wholly owned subsidiary, North Island Financial & Insurance Services. Through NIFIS, you can set up and administer pension, 401(k), deferred compensation and other plans. You can find assistance with cafeteria, health and disability plans as well as coverage for liability, workers' comp and property coverage.

North Island Credit Union currently serves more than 130,000 members from 12 branch locations throughout San Diego County, and ranks as the 57th largest credit union in the nation and the 10th largest in California.

Submitted by North Island Credit Union

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