CAR CRISANA IFN is providing a large diversity of credit products, specially designed to fit member’s needs, categorized among the best offers in the local market:

• Traditional loan – the maximum granted is 3 to maximum 5 times the amount of one’s social fund, and the maximum period of reimbursement could not surpass 24 months.
• Additional loan – it can be granted only if the member has an ongoing credit;
• Excellency loan – granted to members with seniority and a minimum 4 years of history within C.A.R.; the maximum represents the 5 time amount of the social fund of the borrower and the period for reimbursement is 36 months.
• Emergency loan – is a loan independent of the amount of the social fund and it is granted for a short period of 1, 2, 3 or 4 weeks with the possibility of extension of the contract, once, for a period equal to the original contract.

Apart from the diversified loans, we also allocate bereavement benefits extending as far as 1500 lei, depending on the seniority within the Credit Union, and in the near future we intend to obtain the approval of the Conference of members in order to introduce new ways for helping the members when they are in outstanding situations.

In 2003 a group of kind people established CAR a Sindicatelor Bradene IFN. Today, after seven years of activity we are proud to declare that we became a prestigious and trustworthy institution working in the benefit of members. The Credit Union started its activity in the premises of SC Volan Brad SRL, a company known today as SC Key Safety Sistems-RO SRL, providing financial services to about 600 employees, many of them with a member seniority of around 30 years.

It is a fact that today credit services are less accessible to young people, especially due to the low income, the lack of guarantees or endorsers. By enshrining its mission, the Credit Union has anticipated and supported the needs of young workers and families from inside the company. Named in the past „The bank of the poor” the Credit Union has a strong social characteristic, developed in time by providing advantageous loans with a small amount of essential documents. Our main watchword is „operability” - usually the loans are granted in maximum 48 hours after the filling of the request form.

We cannot overlook Mr. Corrado Fiocco – S.C. Key Safety Systems-RO SRL administrator, which supported us in our approaches, proven a deep understanding of our social activity and to whom we manifest our gratitude. His attitude can be considered as a model for each company interested in the welfare of its employees.

Certainly, the years passed, we gathered experience and grew stronger, and we obtained exceptional results, becoming increasingly appreciated by our members. The appraisal of our members is a matter of deep satisfaction, even better some of them describe in beautiful words their relation with our Credit Union. Thus our member Mr. Pavel Florin once said: „At the Credit Union I have always found understanding for my problems, I’ve never been disappointed about the financial solutions that I was offered. I was always treated respectfully, and that makes me proud and makes me return with pleasure.” Mr. Stoica Cornel, retired, said: „Monthly, I am depositing my savings to the Credit Union because I trust the management, I know them for many years - that’s why I’m saving rain day money at this institution.”