We want to help members with less-than-perfect credit. So, like we do for all members, we look for ways to return money to them. Members in good standing with us for 12 months receive an interest rate that is 1 percentage point lower than posted rates for consumer loans. In one year, 454 loans qualified, saving members $135,780. Since the program started in 2012, members holding 2,037 loans have saved $567,274!