You've seen a lot of news about the slumping housing market and its effect on access to affordable mortgages.

The headlines and news reports sound ominous. But read between the lines, and you'll see that this also is a time of opportunity for borrowers with stable habits and clean credit records. That means you. Some lenders got into trouble with risky types of loans. And sadly, some lenders made loans that were not in the best interest of the borrower -- just to get a loan on the books.

The very good news is that Bay Cities Credit Union doesn't operate that way, so our ability to make home equity loans and serve members is in great shape. We'll be here if you need to tap into your home's equity.

When mapping a course for your finances, you hope for smooth sailing. But it's wise to also be prepared for strong wind gusts or choppy water -- you may run into higher-than-expected college costs or a sudden illness -- that could throw you off course.

At BCCU, it's our goal to help you keep your finances on an even keel and provide you with a safe haven in good times and bad. Bay Cities is not a sub-prime lender or investor. As you set sail toward your financial goals, we'll be here to help you navigate your way to reach them. We've been providing value and security to our members for over 50 years, and we want to know how our products and services can best meet your needs.

Drop us an email at info@baycities.org, or simply call a Member Service Specialist at 510-690-6166.

Your finances will always be in a Safe Haven at Bay Cities!