I feel good about everything we offer our VyStar members, but there’s one unique product that I’m particularly proud of: our Adoption Line of Credit (LOC). Because I’m an adoptive parent myself, this is an initiative that hits very close to home for me. All of us at VyStar feel honored to be able to help bring families together in this way, and to make the often complex and costly process of adopting a child a little bit easier.
My Family’s Story
When my spouse and I got married more than 10 years ago, we decided we wanted to start a family by adopting a child. We worked with three different adoption agencies, filing legal paperwork, completing the required home studies, traveling from state to state for meetings with birth parents, attending parenting courses and preparing our home for our new arrival—all while keeping up with a steady stream of agency, legal and adoption fees.
It took more than three years, but we finally became the parents of our beloved son, Asher. During those three years, we learned that adopting a child is a long, convoluted and expensive process, but the gift of welcoming a new member into our family was absolutely worth it.
We Don’t Want Finances to Stand in Your Way
Unfortunately, not every prospective parent has the financial means to pay all the costs associated with adopting a child. Throughout the adoption process, we often found ourselves in waiting rooms and meetings with other couples who had to put their dreams of adopting a child on hold because they simply couldn’t afford it.
There are a lot of sweet, innocent children out there who just want a home and someone to love them—and there are a lot of good people who passionately want to be their parents. For me, making sure finances don’t stand in the way of bringing these potential families together is incredibly important.
If you find yourself struggling with adoption expenses, you might think your only option is to turn to credit cards or other products that don’t fit the specific needs of adoptive parents. But there is a better alternative.
LOC Designed for Adoptive Parents
We designed the VyStar Adoption LOC specifically for adoptions, to help streamline the often-overwhelming financial aspect of the already complex process of adopting a child. You have the flexibility to pay expenses as they come up. That gives you the peace of mind of knowing that you have access to the money you need when you need it.
With an Adoption LOC, it’s not necessary to pay advance fees on credit cards, borrow money before you need it and pay extra interest or take out a loan for a fixed amount when you’re not sure how much you require. If you qualify, you’ll have no expenses until the first day you need to draw a check, and you can rest easy knowing that we offer the lowest possible interest rates for this type of product.
Having access to a line of credit that is specifically designed for the adoption process—a product with a fair rate and fair payments—helps remove the financial roadblocks to growing your family. If you’d like to learn more about VyStar’s Adoption Line of Credit, Adoption Line of Creditexplore our website, give us a call or stop by any VyStar branch.
Money shouldn’t stand in the way of your decision to have a family. We look forward to supporting you in your adoption journey, and I hope that it brings as much joy to you as it did to my family.
Sincerely,
Brian E. Wolfburg
President/CEO
VyStar Credit Union