WINSTON-SALEM, N.C.-One credit union has learned just how much better it is to be proactive and seek out refinancing opportunities than to just advertise it offers great rates.

Allegacy FCU jump-started slow lending and now is on pace for 5% loan growth in 2011 because it instituted a new refinance campaign, one in which the credit union's staff actively reviewed members' financial situations when they stopped into the branch, looking for ways to save them money on loans they had elsewhere.

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