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January 2012

	Message from President - Dream Big!
	Ever had one of those “put up or shut up” moments? I’ve had a couple in my life. The most memorable happened years ago when I teased my wife I was going to go to med school when I retired. Either she got tired of listening to me talk about med school or she understood what I was really saying. Truthfully it was my dream to pursue a career in medicine. In that “put up or shut up” moment she said “if that’s what you want to do, do it now. Don’t have regrets.”

Strategies for Obtaining a Small Business Loan

Small businesses are critical to the American economy. For small companies to survive and generate new jobs, they need credit on affordable terms. If you've considered starting a small business, have you thought about how to fund it? Borrowing money is one of the most common sources of funding a small business. Before you approach a lender for a loan, it is a good idea to understand as much as you can about the factors the banks will evaluate when we consider your application.

Top Job Scam of 2011

The Better Business Bureau sees lots of secret shopper schemes, work-from-home scams, and other phony job offers, but the worst job-related scam can dash your hopes and steal your identity.

No More Paper Savings Bonds

You want to purchase a $100 EE Savings Bond for your new grandchild. It used to be you’d stop in the bank, chat with the staff, they would fill out the bond application, you would give them $50 and in a couple weeks your $100 face value bond would show up in the mail. Not any longer!

Community Room Available for Rent
Did you know that our Fairfax Branch has a Community Room available for rent and Guaranty Bank customers get a special rate? Call (319) 896-6190 for more information.

Low Mortgage Rates
Mortgage rates are still VERY low. Call us at (319) 286-6200 to discuss a refinance or new home purchase.

Free Credit Report
Have you got your free credit report yet this year? Making this an annual task can help detect any possible identity theft. Go to www.annualcreditreport.com. DO NOT confuse this with the site that is anything but free –www.freeannualcreditreport.com – the one with the catchy commercials and that guy singing!