For more than half a century, Merrimack Valley Credit Union (Lawrence, Mass.) has been proudly providing the Merimack River valley communities it serves with quality financial products and services. The credit union's goal is to be here for its membe...Today's top 13 Merrimack Valley Credit Union jobs in United States. Leverage your professional network, and get hired. New Merrimack Valley Credit Union jobs added daily.Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ...Learn how to access and use the new features and tools of MVCU online and mobile banking. Download the app, update your settings, and enjoy the simplified navigation …At Merrimack Valley Credit Union, your voice matters. Your insights and experiences at branches drive Merrimack Valley to continuously improve and tailor services to meet your needs better. If you've recently visited the Danvers Branch location, please leave a review. Your feedback not only helps but also guides fellow members in making ...4 Merrimack Valley Credit Union reviews in United States of America. A free inside look at company reviews and salaries posted anonymously by employees.Locate Nearby Merrimack Valley CU Branches. Need a branch nearby? Detect Your Location or search by address or zip code to find locations close to you. Our locator tool … Merrimack Valley Credit Union. 600 Main Street . Waltham, MA 02452-5537 . 781-736-9900 . 800-338-0221 . Routing Number 211386445. Our website uses cookies to enhance ... Merrimack Valley Credit Union | 913 followers on LinkedIn. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We're all about the credit union mission of "people helping people" and offering you quality products and services at reasonable rates and costs. With our roots solidly ...Reviews from Merrimack Valley Federal Credit Union employees about Merrimack Valley Federal Credit Union culture, salaries, benefits, work-life balance, management, job security, and more.Merrimack Valley Credit Union. 963 followers. 2w. Due to the storm, our Plaistow branch is currently closed. Online and Mobile Banking are available for your convenience, and our Member Support ...Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ...Natasha Chilingerian has been immersed in the credit union industry for over a decade. She first joined CU Times in 2011 as a freelance writer, and following a two-year hiatus from 2013-2015 ...Merrimack Valley Credit Union. Open until 5:00 PM (978) 388-0959. Website. More. Directions Advertisement. 100 Macy St Suite G Amesbury, MA 01913 Open until 5:00 PM. Hours. Mon 9:00 AM -5:00 PM Tue 9:00 AM -5: ...Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely to or …2020. Form: 990. EIN: 04-2206928. Download: Download PDF. Load rest of the Form 990 pages. View and download the year Form 990 for Merrimack Valley Credit Union, for the fiscal year ending 2020-12.Merrimack Valley Credit Union | 696 followers on LinkedIn. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We're all about the credit union mission of "people helping people" and offering you quality products and services at reasonable rates and costs. With our roots solidly ...2024 MVCU Scholarship Award. Merrimack Valley Credit Union is awarding the following scholarships in 2024: The Lisa Lewis Goodman Community Spirit Award: $2,500 to the student who dedicates themselves to performing good works in their community - both in school and out. 14 $1,000 scholarships.Experienced Senior Vice President with a demonstrated history of working in the banking… · Experience: Merrimack Valley Credit Union · Education: University of Rhode Island - College of ...Founded in 1955, MVCU is a state-chartered, nonprofit, member-owned financial cooperative credit union with more than $1.3 billion in assets and 11 branches that serve more than 75,000 members in ...The team from Merrimack Valley Credit Union chose "Incredibles" costumes for the Disney-themed bowling fundraiser hosted by Family Services of the Merrimack Valley. REBA SALDANHA photos Mark Brady of Merrimack Valley Credit Union bowls during the 15th annual Bowl a Strike for Kids fundraiser, hosted by Family Services of the Merrimack Valley.Merrimack Valley Credit Union Mortgage Loan Calculator. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal Mortgage ...Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ...· Experience: Merrimack Valley Credit Union · Education: University of Phoenix · Location: Manchester · 500+ connections on LinkedIn. View Greg Kennedy's profile on LinkedIn, a professional ... When you use your card, you get 1: 1.00% cash back on everyday spending. 2.00% cash back on travel, car rental and hotel. Receive your cash back as a statement credit or deposit it into your MVCU savings account! PLUS: Double cash back bonus for the first three billing cycles. Intro rate of 2.99% APR for the first 12 billing cycles. HVAC Commercial Technician. Merrimack Valley Corporation. Methuen, MA 01844. $65,000 - $125,000 a year. Full-time. Monday to Friday. Easily apply. Provide maintenance on commercial heating and air conditioning systems according to company standards providing the customer with a high quality experience. Posted.Tula (Otomi: Mämeni) is a Mesoamerican archeological site, which was an important regional center which reached its height as the capital of the Toltec Empire between the fall of Teotihuacan and the rise of Tenochtitlan.It has not been well studied in comparison to these other two sites, and disputes remain as to its political system, area of influence and its relations with contemporary ...Christine Ronca is a Senior Vice President, Operations at Merrimack Valley Credit Union based in Lawrence, Massachusetts. Previously, Christine wa s an Operations Vice President, Retail Banking at Merrimack Valley Credit Union and also held positions at Santander Bank, Bank of America. Read moreAbout Merrimack Valley Credit Union Founded in 1955, Merrimack Valley Credit Union (MVCU) is a state-chartered community credit union with over $1.3 billion in assets. The Corporate Office is located in Lawrence, Massachusetts, and MVCU currently serves over 75,000 members in Massachusetts, New Hampshire and Rhode Island.Merrimack Valley Credit Union. Closed today (800) 356-0067. Website. More. Directions Advertisement. 1095 Washington St Hanover, MA 02339 Closed today. Hours. Mon 8:30 AM -5:00 PM Tue 8:30 AM -5:00 ...Haverhill - Merrimack Valley Credit Union (MVCU) has donated $10,000 to Catie's Closet, a nonprofit organization in Dracut Mass., to support their SOS Urgent Response program. Founded in 2009, Catie's Closet provides clothes, toiletries and other essentials to students who cannot afford them by setting up secure stores (called closets) in ...Merrimack Valley Credit Union | 652 followers on LinkedIn. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We're all about the credit union mission of "people helping people" and offering you quality products and services at reasonable rates and costs. With our roots solidly ...Merrimack Valley Credit Union corporate office is located in 500 Merrimack St, Lawrence, Massachusetts, 01843, United States and has 456 employees. merrimack valley credit union. merrimack valley federal credit union. merrimack valley. mvcu. moapa valley federal credit union. merrimack valley federal credit . Merrimack …Merrimack Valley Credit Union | 691 followers on LinkedIn. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We're all about the credit union mission of "people helping people" and offering you quality products and services at reasonable rates and costs. With our roots solidly ...The credit union will award more than $16,000 to local high school seniors. Merrimack Valley Credit Union (MVCU) has announced that its annual scholarship program is open for high school seniors graduating in 2024. The credit union is accepting applications from now through Thursday, Feb. 29. The third annual Lisa Lewis Goodman Community Spirit ...Welcome Former RTN Federal Credit Union Members. While RTN Federal Credit Union and Merrimack Valley Credit Union became one institution last year, our computer systems did not fully integrate at the time of the merger. On June 1, 2024, we will complete the final step and consolidate RTN's computer system into the MVCU system. Once the ...Reviews from Merrimack Valley Credit Union employees about Merrimack Valley Credit Union culture, salaries, benefits, work-life balance, management, job security, and more.See Merrimack Valley Credit Union salaries collected directly from employees and jobs on Indeed. Salary information comes from 2 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months.People acting on behalf of Merrimack Valley credit Union and RTN made multiple promises to correct the information and then refused to do so at a later date. This has caused me many thousands of dollars in penalties, credit decisions, lost opportunities, and time wasted trying to correct through the proper channels.Merrimack Valley Credit Union recently donated $30,000 to Haverhill's Emmaus, which provides emergency shelter and affordable housing to families and individuals facing homelessness. The Credit ...The Merrimack Valley Credit Union, which has offices in Lawrence, Methuen, North Andover and Haverhill as well as Plaistow and Seabrook, New Hampshire, will merge with the Bridgewater Credit Union ...Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ...Merrimack Valley Credit Union Home Page - Merrimack Valley CU. For Former. RTN Members >. Routing #2113 8492 6. 800-356-0067. Locations & Hours. search querySubmit. Search toggleSearch. Apply for a Loan Open an AccountLoginMenu.Of the many words of wisdom Nicole James—Merrimack Valley Credit Union's (MVCU) new executive vice president, chief people officer and chief retail officer—offers, this quote most embodies the credit union philosophy of people helping people and her own passion for serving others. Her professional journey is driven by a desire to help ...61 reviews and 7 photos of MERRIMACK VALLEY CREDIT UNION "I have been a member of RTN for many years and during that time I have experienced excellent customer service 99% of the time. Like any institution I suppose every once in a while, you can get a bad employee, but my take has not been that case. When I've compared this …Merrimack Valley Credit Union Frequently Asked Questions. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal ...Merrimack Valley Federal Credit Union Branch Location at 436 Broadway, Methuen, MA 01844 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. Find Branches Branch spot.About Merrimack Valley Federal Credit Union. Merrimack Valley Federal Credit Union was chartered on Jan. 1, 1955. Headquartered in Lawrence, MA, it has assets in the amount of $516,197,355. Its 45,473 members are served from 5 locations. Deposits in Merrimack Valley Federal Credit Union are insured by NCUA.Merrimack Valley Federal Credit Union. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley is here with your best interest at heart!...Access all of the great features in online banking on your mobile device! Features: Quick access to your balances. Deposit a check without visiting a branch (First $500 available …Address: Merrimack Valley CU Plaistow Ethan Allen Plaza Branch 24 Plaistow Road Plaistow, NH 03865 ( Map) Phone Number: Click-to-Call: (800) 356-0067. Fax: (603) 382-7108.Overview. Established in 1941, Bridgewater Credit Union proudly calls Bridgewater, Massachusetts home. For over 83 years, Bridgewater CU has been a trusted financial partner, boasting a network of 4 branches across the country.. Bridgewater Credit Union stewards over $2.26 Billion in assets and proudly serves over 115,000 loyal members.When a member wants funds transferred to their Credit Union account, the following information is needed: Funds are wired to: EasCorp . 35 Corporate Drive, Ste 300 . Burlington, MA 01803 . ABA# 211391773 . For credit to: (Beneficiary): Merrimack Valley Credit Union . 500 Merrimack Street . Lawrence, MA 01843 . Account# 211384926 . For further ...Merrimack Valley Credit Union. 600 Main Street . Waltham, MA 02452-5537 . 781-736-9900 . 800-338-0221 . Routing Number 211386445. Our website uses cookies to enhance your experience. By clicking “Accept All,” you consent to the use of ALL the cookies. However, you may visit "Cookie Settings" to provide a controlled consent. …Merrimack Valley Credit Union. Loading... Major Rating Factors: Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability ...Merrimack Valley Credit Union's North Andover Branch serves the greater North Andover, Massachusetts community with full service banking services from opening a checking account through closing a loan. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search ...Welcome Former RTN Federal Credit Union Members. While RTN Federal Credit Union and Merrimack Valley Credit Union became one institution last year, our computer systems did not fully integrate at the time of the merger. On June 1, 2024, we will complete the final step and consolidate RTN's computer system into the MVCU system. Once the ...Financial Fast Facts: Balance Sheet: Income Statement (ytd): Total Assets: 2,263,245,491: Total Interest Income: 75,544,177: Total Liabilities : 2,068,854,512: Total ... 10 branch locations to serve all your banking needs. Lawrence Riverwalk Branch. 500A Merrimack Street Lawrence, MA 01843. Phone: (800) 356-0067 Fax: (978) 682-1623 Lobby Hours: Penalty for early withdrawal. 9 Month Certificate: $15,000 minimum to open and earn APY. New Money Only; For existing members to satisfy this requirement, funds can be transferred from an existing MVCU account if an additional $15,000 in external funds are added to the certificate. Certificates and IRAs available from Merrimack Valley Credit … When you use your card, you get 1: 1.00% cash back on everyday spending. 2.00% cash back on travel, car rental and hotel. Receive your cash back as a statement credit or deposit it into your MVCU savings account! PLUS: Double cash back bonus for the first three billing cycles. Intro rate of 2.99% APR for the first 12 billing cycles. Request Funds. Log in to the Student Lending Center to request additional funds from your existing line of credit, view your profile, and review completed application(s).Merrimack Valley Credit Union. 600 Main Street . Waltham, MA 02452-5537 . 781-736-9900 . 800-338-0221 . Routing Number 211386445. Our website uses cookies to enhance your experience. By clicking "Accept All," you consent to the use of ALL the cookies. However, you may visit "Cookie Settings" to provide a controlled consent.On Thursday, Oct. 26, Credit Union Times published an exclusive profile of Merrimack Valley Credit Union's (MVCU) President & CEO John J. Howard. The Q&A-style profile, titled " My Journey to Credit Union Leadership ," detailed Howard's career in banking, the unique skills and experience that he brings to his role and the challenges he ...Merrimack Valley Credit Union and Bridgewater Credit Union, a division of Merrimack Valley Credit Union, care about your financial safety and security. Be Aware of Scams. There have been some recent fraud attempts that have affected our members. Text Message Scam. How the scam works: The texter pretends to be from MVCU's fraud department.About Merrimack Valley Credit Union Founded in 1955, Merrimack Valley Credit Union (MVCU) is a state-chartered community credit union with over $1.3 billion in assets. The Corporate Office is located in Lawrence, Massachusetts, and MVCU currently serves over 75,000 members in Massachusetts, New Hampshire and Rhode Island.· Experience: Merrimack Valley Credit Union · Education: University of Wisconsin-Madison · Location: Boston, Massachusetts, United States · 500+ connections on LinkedIn. View Bob Piepenburg ...MERRIMACK VALLEY CREDIT UNION. Dec, 31, 2023 — MERRIMACK VALLEY CREDIT UNION is a federally insured state chartered credit union headquartered in LAWRENCE, MA with 27 branch locations and about $2.26 billion in total assets. Opened 69 years ago in 1955, MERRIMACK VALLEY CREDIT UNION has about 114,879 members and employs 319 full and part-time ...Merrimack Valley Credit Union Savings and Loan Rates. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal Mortgage & Home Equity Undergraduate, Graduate, & Refi Commercial Loans & Lines Former RTN Members. Routing #2113 8492 6 ...ATKINSON, N.H. — Merrimack Valley Credit Union recently hosted its Charity Golf Classic at Atkinson Resort & Country Club. The tournament, sponsored by Synergent, raised more than $55,000 to ...Jan 16, 2024. LAWRENCE — Merrimack Valley Credit Union announces that James C. Potter has joined the credit union as vice president of retail banking. Potter will oversee the credit union’s ...In 2005, the Credit Union converted to a community charter, expanding membership eligibility to towns in the Merrimack Valley region in Massachusetts and New Hampshire. In 2007, we relocated our corporate headquarters to 500 Merrimack Street in Lawrence and now have branches in Haverhill, Lawrence, North Andover and Methuen, MA and …Merrimack Valley Credit Union offers rewards checking accounts that pay you for doing the things you already do! Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & …(November 1, 2023) — Merrimack Valley Credit Union was recently named "Best Credit Union" in the Eagle-Tribune's annual contest in which the newspaper's audience votes online for their ...Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ...Founded in 1955, Merrimack Valley Credit Union (MVCU) is a state-chartered community and employer-based credit union with more than $2.3 billion in assets. The corporate office is located in Lawrence.Merrimack Valley Credit Union's Worcester Branch serves the greater Worcester, Massachusetts community with full service banking services from opening a checking account through closing a loan. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle ...Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ...The newly merged credit union will operate under the Merrimack Valley Credit Union name until a new name is launched in late 2024. MVCU is now one of the five largest credit unions in Massachusetts with more than $2.3 billion in assets, 115,000 members and 28 branches. In March, members of MVCU and RTN voted in favor of merging the two ...Merrimack Valley Credit Union offers comprehensive business services . Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search. Apply for a Loan Open an Account Login Menu. Auto & Personal Mortgage ...Merrimack Valley Credit Union c/o CU Student Choice 110 Broadway Street Suite 505 San Antonio, TX 78205-1967. ... Contact Your Credit Union. Reach us by mail regarding our Student Choice solution: Merrimack Valley Credit Union c/o CU Student Choice 110 Broadway Street Suite 505Merrimack Valley Credit Union was included in Banker & Tradesman and The Registry Review’s Top Lenders of 2023, marking the first time the credit union has been featured on these lists.MERRIMACK VALLEY CREDIT UNION. Dec, 31, 2023 — MERRIMACK VALLEY CREDIT UNION is a federally insured state chartered credit union headquartered in LAWRENCE, MA with 27 branch locations and about $2.26 billion in total assets. Opened 69 years ago in 1955, MERRIMACK VALLEY CREDIT UNION has about 114,879 members and employs 319 full and part-time ...Merrimack Valley Credit Union was included in Banker & Tradesman and The Registry Review’s Top Lenders of 2023, marking the first time the credit union has been featured on these lists.Merrimack Valley Credit Union 2023-present (8 months) For more than half a century, Merrimack Valley Credit Union (Lawrence, Mass.) has been proudly providing the Merimack River valley communities it serves with quality financial products and services.Merrimack Valley Credit Union plans to award more than $16,000 to local high school seniors and is accepting applications for its annual scholarship program through Thursday, Feb. 29.Merrimack Valley Credit Union's North Andover Branch serves the greater North Andover, Massachusetts community with full service banking services from opening a checking account through closing a loan. Routing #2113 8492 6; 800-356-0067; Locations & Hours ; search query Submit. Search ...The following is a list of credit unions that are members of the Cooperative Credit Union Association. Click on the name of a credit union to reach that credit union's website. A... American Spirit Federal Credit Union, Newark, DE. C... Community Powered Federal Credit Union, Bear, DE. D... Delaware Alliance Federal Credit Union, New Castle, DE.
Show contact. Sarita Ledani has extensive experience in business development and marketing. Sarita served as the Vice President of Business Development at Merrimack Valley Credit Union, starting in 2023. Prior to that, they held various roles at RTN Federal Credit Union, including Assistant Vice President of Business Development and Vice .... Absmobile
Merrimack Valley Credit Union · Experienced executive who can create, communicate, and sustain an organization's strategic initiatives.<br><br>I currently serve as the Chief Strategy Officer for ...Merrimack Valley Credit Union 4 years 2 months AVP Mortgage Lending Operations Merrimack Valley Credit Union Jul 2020 - Present 3 ...Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ... Founded in 1955, Merrimack Valley Credit Union (MVCU) is a state-chartered community credit union with over $2.4 billion in assets. Our Corporate Office is located in Lawrence, Massachusetts. We currently serve over 115,000 members in Massachusetts, New Hampshire and Rhode Island, offering a wide range of savings and loan products, commercial ... Merrimack Valley Credit Union has experienced an increase from Q1 2023 to Q4 2023 of $12,595,113 in new auto loans issued, which represents an increase of 37.25%. During the period, the minimum reported number was $33,816,764 and the maximum was $46,411,877. Percentage growth:37.25%. Growth amount:$12.6 Million. Data Source: NCUA - April 19, …Founded in 1955, Merrimack Valley Credit Union (MVCU) is a state-chartered community credit union with over $2.4 billion in assets. Our Corporate Office is located in Lawrence, …The estimated salary range of the Financial Services industry where Merrimack Valley Credit Union is located is between $78,884 and $102,103, and its average salary is about $89,956. The company's revenue is about $10M - $50M, and its salary level is estimated to be slightly lower than that of the same industry.Founded in 1955, Merrimack Valley Credit Union (MVCU) is a state-chartered community and employer-based credit union with more than $2.3 billion in assets. The corporate office is located in ...Merrimack Valley Credit Union was included in Banker & Tradesman and The Registry Review's Top Lenders of 2023, marking the first time the credit union has been featured on these lists.In 2005, the Credit Union converted to a community charter, expanding membership eligibility to towns in the Merrimack Valley region in Massachusetts and New Hampshire. In 2007, we relocated our corporate headquarters to 500 Merrimack Street in Lawrence and now have branches in Haverhill, Lawrence, North Andover and Methuen, MA and Plaistow, NH.Merrimack Valley Credit Union | 628 followers on LinkedIn. Whether you need a checking account, auto loan, mortgage or other financial assistance, Merrimack Valley Credit Union is here with your best interest at heart! We're all about the credit union mission of "people helping people" and offering you quality products and services at reasonable rates and costs. With our roots solidly ...The map above displays the locations of Merrimack Valley locations in Tewksbury, Massachusetts, with markers indicating the exact locations. By clicking on a marker, you can see the name and address of the credit union, as well as other relevant information such as the services they offer and their hours of operation.Merrimack Valley Credit Union uses Google Translate to assist with translation of our website to languages other than English as a service to members whose primary language is not English. We do not guarantee the accuracy of the translation and Google translate may not translate all documents. Please be aware that your transactions are likely ...Merrimack Valley Credit Union Frequently Asked Questions. Routing #2113 8492 6; 800-356-0067; Locations & Hours; search query Submit. Search toggle Search ... Home / Tools / Loan and Credit Questions. I have questions and MVCU always has the answers! I have questions and MVCU always has the answers! FAQsMerrimack Valley Credit Union Certificate Number: 68693. 500 Merrimack Street Lawrence, MA 01843. Division of Banks 1000 Washington Street, 10th Floor Boston, Massachusetts 02118. This document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low- and moderate-income ….