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Show S. , 10 C WEDNESDAY, JULY 6, 1977 DESERET NEWS, Credit unions: Howthey work cost loans The postman's back is bent from all the mail I've been getting about credit unions. usually con- tee are volunteers who are elected by the members and serve without pay. By not having to pay for a lot of banidike, tered credit unions are lower than insured up to $40,000 per bank lending rates. account by the National Here are some of the Credit Union Administrasiderably Credit unions, as you may know, pay dividends (interest) of from 6 to 9 per cent and aiso provide their members with low questions you have been asking about them: tion, Washington, D.C. There are more than Q. Are deposits in credit unions insured? tered federally char A. All Seafood Sale This O'A - i,,A. ,,,q, " ,'"'.' , , ,,,y "''" 0 ' ,",P 01.1,A," hfl' ,.k't .iiW 5brialmo share-draf- 1 '1' ."" 'wy'... '' ''''"'"'':, I middle-clas- Ipvittih. - Hours: Mon. and Fri. 11 'til 9 Tues., Wed., Thurs. & Sat. 11 'HI 6 13't ' Open Market West End Trolley Square 364-636- f 40,P.' . 1 1.S1 ,, ' -- "--- klal...Pet -.- ,, Trolley Square 364-636- . , . , V'tTOr r,111W,,Altwyipv,,,,,,,,,, ,,r1 , q, 1 Nk S, , ,, 1 1 e''' . , ,,,,, .4:'"""''" q i ., , , , , ., . , , .. , ..t s,....! ... ..... . it. -...: ..,,,:i? , ' A , ',,".".,A.,". , ....,...... ., - " - sr e.- .. st10 , ''''' .. ,, e 2,o,44e01 ' i I '' .'.t '- : ' "' - ...ct '' ',," - ' ' -- ' ,, - ..' , , i1 - , ', ,' - - ' "I''''''' - ..:.. 2 11 ...,. ,,, if , ' -' '. s''' ,,...,..., - ' , r NI im ,k,c, kP N ok ,010 c)k) ko tZt.'3 0010 v.,e' .,, koe 2:: 1 1. k 0 0 . ;., ,''' ., - -. At. c- VP 0 g. t v,.'f '4' '0e.to c,4 - .).1 k.) 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The CU's officers, board of directors, supervisory board and credit commit 3 ,,,,, 1 4 ) .., .,,, NI--c) L from federal income taxes and have lower reserve requirements (which means that more of their money can wol 3 DOLLAR .0 ,P - .... ) t l' t" '''' ,';' Q. Why can credit unions offer a better interest deal than banks? A. CU's are exempted ' d TOMORROW'S ? o0.' A tt31 Nay iti ,,, tions and even the wealthy. For example, there is a credit union for Arabian horse owners! k - -- LI" VII',Awik,,,Ilw,a1,;6;t,0,,.0t, ... ter f' 1 organiza- s ' NN f,,A Are credit unions strictly for people? A. Not anymore. The credit union movement has expanded to include ' 'I 4 sos74i Q. 369 lb 4' .006 ...,,..-p- : HOWARD zi A "' W t'y, ' ., ..,,"' ''A ., low-inco- 1 lla, 4M.. n$''' state-chartere- reg. RAY 0- - toor.' ,i11, The regulation, which is expected to go into effect d soon, will include CU's in 16 states which have "me-too- " laws. (I) ''' : '..,1,At'," &A': ..' program. t ', rtkVV? unions Q. offer checking accounts? A. There are 500 federal credit unions which offer "share drafts" or checks. The National Credit Union Administration (NCUA) has proposed regulations that will allow federal credit unions to participate in the Ciektaill $6)) must be your principal residence and cannot cost more than 150 per cent of the median sales price of homes in your area. The new law also Do credit Sat. & 11 un- ions are insured. Before you Join a credit union, ask about charter and insurance status. 110dleslimmEnnollitit Thurs., Fri., .'' .. .," About half of the 10,000 state chartered credit the home But years 11 '"----- . federally charcredit unions. 12,000 allows you to borrow up to 12 years on mobile homes and home improvement loans. Q. Is there a minimum number of people re before an organization can form a credit tudon? A. Yes. Two hundred. chartered CU's to grant conventional residential mortgage loans with repayment terms up to 30 overhead, CU's can turn surpluses back to members in the form of high dividends on shares and low interest on loans. Q. Can I get a mortgage at a credit union? A. A new law passed in April allows federally high-salarie- d - . H- A modest DIME SALE bargains you'll rag about! Wjt)LT , . . ,........m.........1 - ..: ; 'i 0:iza ,. L :,,.?:,:,::,:.:,m4: ' ., :, . . ::"":,:::':'::,':';''''' NI t:::,::,.:':.::::? ., l'''S.''.. '''''.. i '''P i ,.,,,,,- .:::.: ',,,i,,,....4S'eneek:,7-4;;:::,:;;P:,,;'.E:- ." - ':: .',::'.i::::;:',::: ,., : ' ih, It', , I .,...:: i, W. ,e. ,NN 1 ,. 4. Is,' :: .. ' 4).P t :::: - - Vv) Ill - n ti ',.' ; 01 iX :.,,:".,,, y 4. J .,,,I 4rf s , 4'' :',... , ,,,,;e o 0 THIS OFFER EXPIRES DECEMBER 31. 1977. one 11, coupon per tamly ot address Oher ts 900d only ,n geocreptue area (Li 5 A ony n which thts Iwo s disosaved or advertised Vox! here oroe O.ted ta,ed 0, restncted TP tom, rntiSt accompany spetMed roofs of and effil not be honored a dbohcated or reProduced cF - y1 , ,!.: , jut jMn7i1 ' , 111), mein w P.' 11. is, e...- )1 !- "' r4 shnmp -, re,- chow mem ........... C Si) onro 1 -- - LA , . r..................... ma. ! ))ti 1r ik - Om, - 41 ''J14 , ,' ' , 0. , 1 k' . - ri I : . '' , I . ,,,s,,,i , ' ,,k, 1, AN- .,1 . itiV,: ."' $1.25 $3.95 $2.95 $4.95 S1.99 $6.95 $1.99 $1.00 $ .49 i -) 7.0 ;CO ''' r, 1;,,,,A-7-- , 4 q .49 $ .25 paper :', Big Whopper Coloring Books, 6 titles available 4 . 4 '5 -- aN,. a ,. Little Golden Books, assorted titles '4, ',;' ''''"'ry44. , .... ' "I. ''' '..0 4 ...N Ai , lip, - t ,,,- ,, 4 - -4 1 r -. ( --- 47o ' tvo,,,,,,,,4443-44,,,- e.,,,...: 1 -- - , . .i.qt z.;''fr ' -- Im.N.L ',...--ii- ., 12.t...1 , '--' ' '' 7 ,.,,.. ,kk, 1 I 11111 '''''-- , : , z, , ,2,,,,i ,1, i .... 1; ,. ...44, , , . . r ql - 4... ,,,, -- . ' , , '7 ',g 1404 ...u.t: j. La Choy makes Chinese Food Swing American! '1....k. .; ( La , fv 1 F : aw Sales prices effective till July 31, 1977 or As lung as supplies Isst. -- , 'Deseret , ,,' 'd , OP , 0 Ir , ow- : ,,,,, , ;04N146.. ' . tr!'5, 411111 1 1 .4, bt,,,f0,4 i $5.25 ., Ilik , s.16!:tokot, gc".- ;. ''''', -- 41.! -st ". A' ,.., "go, F -t.iidei; Ni. r...-- .. ' -" ., , ..e.e. 5 ,r,,,,,A; ,,.'ff' e, ., - $5.25 Discovering the World of the Bible by LaMar C. Berrett, cr 1! 11) '' 4,4:: I and Bernard Berkowitz . , r Lt. A r., ;', l:' !:" F.; , 4 ',.. :" : - ILIZell ,, $3.95 6) cloth activity book Fun-To-Ma- ke 4 t-- ., 1:3' "'".C141.....10 4r , f4.0 How to Be Your Own Best Friend by Mildred Newman ,x, I - . ., $5.50 $6.95 $6.95 Stegner, paper The Gathering of Zion: The Story of the Mormon Trail by Wallace Stegner, paper li ,i: Mum , ''' :::::. q4 - sows ,, - 4 go. .100814116c:4,44,0' ;''' 'le lot,tht) I $4.98 of William (orig. pub. o.; Mormon Country by Wallace i,ll' r:,:e0! ,k . 1.",0''' 1 41 ''''' 4 it07.' 4. .0.,,' ;4',1.4101( re. ,., ;74 .,,.e,C.4 ,,,,,,,.. i ,: i '''' f " , ,,,,taftVp, II ft tAgt '.4.1,411,4! , 4414 - mcinessli mrtril - rt oiscoy ills -, 'i'-'0.,at- ''41,410MPOWTnk,10 liqpw 46,a ....1,.. f i 14.2)uAull4Ad A , CH0),-- ,....41 1 120.00 a itii: !; , 'if-- - $5.95 3-- ''. amovvolo ,:ilf - 4 Itt,tk LA ,. wash ,,, e lryi.4 t i PP,,,i i , Ir''' a rowirolvubKA L, '116 GKPy - ,' , - ::: 4, t' WTI waist.eq,iNgo,,.. r4 i WOLI l'j a."'.""..' ;,: , gfr 7 E"---"'.....,-,,,---- ; ,, 0.1 IA ' '''... F $9.95 by The Family Learning Center. :,,,,,a't ; ( - i. ,,,,.,1 ' -. mein..- '' h 01- ttagel,-..,':.-..,,,- ,, chow ...... a.d,...Vor,.......6110,01019nik....Alk 777ws LA 1 1 aa IN LtV TI IYIPRI' ',,,,,,,--1;$0- , ",' ? rr.' ' , ! ,,4,'Ne ,..,,,,,......07.- i ' L , 100CICIEMODDLICIOODOC1000 oicry 1 . !,.:);7-- ; W.,,, a 5; ste ' ..!,-f-4- i., - .,4, $1.25. $5.95 ed.) Just in Case: A Manual of Home Preparedness by Barbara G. Salsbury The Quiet Book (ages 24) The Quiet Book (ages , $' $1.25 $1.25 $9.95 , ' le 4 ) $4.95 New Cookbook Betty Crocker Cookbook, 2sri hnvagokbi. :.t','..-::- $4.95 $ .75 :e;,,,'-'- , '"--- :, .1 e; a V 1,1,ess C ,- ' ":,;::?r-- . , i ' e....- , 44.1-t,1- $3.50 $2.50 $4.95 Hear Ye Him Better Homes and Gardens 5,''; ii,..,:-- ti,1.7:1 i''. Ei Ll f lit4,00! ,,,:'.1 ,,, 4'11 -- , Olf. $3.95 $1.25 $1.25 $ .50 .:':"Hi ,.. t,t"''''''s'"";4: JUST , , , , 7,1 g $ogrftat,i,-!,-,- .,i ' - ' :. 12 !ill' 0 :::i!' ,',;,, 01,411.1f:tv oakAtitA4A0 ,: gb .. 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TEXAS 7971 a a a 1 '. :' , ' ME3E1E3E3E1E3E3E3E3001:30C313011:313 mAIL o o i- - ODtin Vat OFFER D 1 '''& i,.,. i ,,,,::.:'',,,,,1 4', i,,,,::. ,,..:,,4.gg,,,, 1 :, :::I.,;::::.iie$,::! :,,,,,,..,,1:,;::,,,.,::,,:ii:4:.' ,,,,,,,:':,, , f ,,.,'''0 t,tsfiate,44:,.:.: k-, .,,,,,..,,,,: 9,0,?'... ... ...k I :'-- it:tiV, ii ,, ..,. 0 i :J).1 ',,, ' -: ::::-- ''llid" A ''''''' V $6.95 Christ's Eternal Gospel $5.95 $4.95 Tithing: The Lord's Law Matthew Cowley Speaks $5.95 Profiles of the Presidents $5.95 Who Am 12 . 16.95 Conference Report October 1973 12.00 Conference Report October 1974 $2.00 Conference Report April 1975 $2.00 Conference Report October 1975 $2.00 Conference Report April 1976 $2.00 , rotr. SALE PRICE Saint Latter-da- y ,,,i 'I;:.:- - 03 11" ' :,,,,,,,,,,,,- ,- i I ::';',-- REG. PRICE From Quaker to ,,,,,:, ;:,::;,:, f , I nomm,n ,: g ,,,,,.s .:,:::,4,-,,,-t.,i,,A,- :, ..,,.,..5.,:14:::..,...,::.,.:!..:.::,.:::1.....::..,,,:::::.: 1it.b...,,,,,T,,,,..: E.:7 :::::,:.:,:,,,,:,:,',,:,. ...,,,,.,.,.., ... 1 L.4,6.., .,1 ,j,:::::,:Q?.':::':'::::,.:,:.,,::::0::- :T::::,..:;,':' 1 . t ff It .,, " :: ,::').:,'!" ,,",,,,,:.. ,k.,2,k,,,4 ,4" ; ,, -, .:,,!,,,,..,,!....-- ;..k::::::,:.' ,,,::,,::::.:-- 1 gg :::..,.,,:,:r i 11 , 1 :::::ai?:j:d:i'., ;'i':""';::',::i. .1 ,.., . .::!1.7,7,1.,::',:::..,,,. roof ' I , . 0 o AO , ' ZCMI Center Cottonwood Mall Valley Fair I Fashion Place University Mall I Orem Cache Valley Mall Logan Book titles are available wherever IDS books are sold. , "Pt A, ,A.,AA- - |