Learn more about our loans at St. Mary's Credit Union today. Search. Menu (508) 490-9000. Login. Locations; Rates; Contact Us; Careers; Open an Account Log In. Personal. Personal Checking. Compare Our Accounts; Free Kasasa Cash Checking; Free Kasasa Cash Back Checking; Relationship Checking; No-Fee Checking; Gateway Checking;Overview. Established in 1913, St. Mary's Credit Union proudly calls Marlborough, Massachusetts home. For over 111 years, St. Mary's CU has been a trusted financial partner, boasting a network of 8 branches and 7 ATMs across the country.. As the 13 th largest credit union in Massachusetts St. Mary's Credit Union stewards over $992.82 …Map. 46 Lizotte Drive. Marlborough, MA 01752. Get Directions. Toll Free (866) 585-7628. Phone (508) 490-8000.Check out St. Mary's Credit Union's great mortgage and home loan rates. Our programs offer some of the lowest rates and fees available along with an easy-to-use online application and personalized member service.ATM. 100 West Main Street. Northborough, MA 01532. St. Mary's Credit Union is your one-stop source for all your financial needs. View our branch details, located in Northborough, MA (100 West Main Street)St. Mary's Co-operative Credit Union Ltd. 246 likes. St. Mary's Co-operative Credit Union Ltd. is a member's owned credit union since 1956 and has been serving the areas of Giraudel and Eggleston.ATM. 439 Main Street. Hudson, MA 01749. Get Directions. Toll Free (866) 585-7628. Phone (508) 490-8000.Phone:(508) 490-8000. Additional Contact Details:St. Mary's Credit Union - Corporate Office and Loan Center. Credit Union Money Tips & Tricks. Downtime status for St. Mary's Credit Union Corporate Office and Loan Center: website down, app down, online banking login issues, telephone, and atm & branch availability. St. Mary's Parish Credit Union was founded in 1913 to promote savings and provide a source of credit for the city's mostly blue-collar French Canadians employed in shoe factories. Today, St. Mary's Credit Union serves members from all walks of life, including newly-arriving immigrants coming to the United States in search of their American dream. Framingham PD is attempting to identify a suspect involved in a bank robbery on 1/9/2024 around 2:20 PM at St. Mary's Credit Union (1255 Worcester Rd). Suspect is described as a white male, approximately 5’4”, wearing a black coat, gray hoodie, sunglasses, and a gray beanie hat.ATM. 439 Main Street. Hudson, MA 01749. Get Directions. Toll Free (866) 585-7628. Phone (508) 490-8000.For individual ATM fees $5.00 or greater, please contact St. Mary's Credit Union to request your refund (your request may be denied if you do not meet the qualifications during the Monthly Qualification Cycle or if you …ATM. 439 Main Street. Hudson, MA 01749. Get Directions. Toll Free (866) 585-7628. Phone (508) 490-8000.St. Mary's Co-operative Credit Union Ltd. 246 likes. St. Mary's Co-operative Credit Union Ltd. is a member's owned credit union since 1956 and has been serving the areas of Giraudel and Eggleston.Looking for a bank in St. Mary's County, MD that fits your needs? Get started today and make the most of your banking experience. Finance Strategists Open main menu. ... Banks & Credit Unions in St. Mary's County, MD. We did the hard work of finding trustworthy partners in St. Mary's County, MD. Fill out the form to get connected.The developer, St. Mary's Credit Union, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy. Data Linked to You. The following data may be …Overview. Established in 1913, St. Mary's Credit Union proudly calls Marlborough, Massachusetts home. For over 111 years, St. Mary's CU has been a trusted financial partner, boasting a network of 8 branches and 7 ATMs across the country.. As the 13 th largest credit union in Massachusetts St. Mary's Credit Union stewards over $992.82 … ATM. 1 Northboro Road. Marlborough, MA 01752. Get Directions. Toll Free (866) 585-7628. Phone (508) 490-8000. Elizabeth joined St. Mary’s Credit Union in 2006 and has worked in many different positions in the Credit Union including: Retails, Deposit Operations, and Loan Servicing. Liz was promoted to Commercial Loan Portfolio Manager in early 2020.Overview. Established in 1913, St. Mary's Credit Union proudly calls Marlborough, Massachusetts home. For over 111 years, St. Mary's CU has been a trusted financial partner, boasting a network of 8 branches and 7 ATMs across the country.. As the 13 th largest credit union in Massachusetts St. Mary's Credit Union stewards over $992.82 …Below are links to all of the documents that you will need to help your customers apply for a St. Mary's Credit Union loan. If you have any questions or concerns about these documents, please contact Latiffah Troncoso, Indirect Lending Specialist, at 508-490-6725. Our fax number is 508-804-6549. Certification & Resolution Relative to Borrowing3 reviews of St Mary's Credit Union "Whats to say about a bank? Nothing to exciting except it has all the basic features a good bank and has convenient branch locations in Marlborough, Hudson, Northbrough, and Westborough. Plus seeing its a credit union and not a normal bank it offers a better return rate on savings accounts."As a member of St. Mary's Credit Union, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.Kickstart the process with free pre-qualification — and receive a $400 credit on your mortgage at closing 1! Master the Mortgage Process Purchasing your home is one of the …TAKING CARE OF YOU. With low rate options, rewards and benefits to match your lifestyle, a DuTrac Mastercard® can help make your goals a reality.Zelle is a convenient way to send money. using your mobile banking app or online banking account. Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes 1, and all ...Locate. Enter a location: Search by all that apply: St Mary's Credit Union Branches. Surcharge-Free ATMs.It's easy to become a member! Apply Online OR. Schedule a virtual or in-person appointment. Visit one of our convenient branch locations . Call our Member Contact Center at 1-888-786-2791. As a member-owned, not-for-profit credit union, St. Mary’s Bank is your trusted advisor. We are dedicated to helping you achieve your financial goals ...In the 1960s, it opened a location near the Avenue P and 20th Street West intersection, later moving into its current home. St. Mary’s Credit Union is one of the founding partners of Affinity ...University Credit Union. As the only credit union founded by the university community, for the university community, University Credit Union has been serving the university community as a not-for-profit financial cooperative for over 70 years. As an employee benefit, you are eligible to become a member-owner of University Credit Union and …Provides more guarantee than other risky investments. Set aside for future savings goals. A wide range of terms available (from 3 months to 5 years) No setup or maintenance fees. Subject to early withdrawal penalties. Renews automatically upon maturity 1. $500 minimum deposit to open a certificate*. $100,000 minimum deposit to open a jumbo ...Learn more online at St. Mary's Credit Union today. Search. Menu (508) 490-9000. Login. Locations; Rates; Contact Us; Careers; Open an Account Log In. Personal. Personal Checking. Compare Our Accounts; Free Kasasa Cash Checking; Free Kasasa Cash Back Checking; Relationship Checking; No-Fee Checking; Gateway Checking; Personal … As the 13 th largest credit union in Massachusetts St. Mary's Credit Union stewards over $992.8 Million in assets and proudly serves over 54,000 loyal members. With over 100 dedicated individuals as of April 2024, St. Mary's is committed to providing exceptional financial services to its members and the community. Enter a location: Search by all that apply: St Mary's Credit Union Branches. Surcharge-Free ATMs. St. Mary's Bank in Manchester, NH: Reviews, Contact Info, Rates & more. Learn More! Credit Unions Online. Credit Unions Online. Home; ... St. Mary's Bank Credit Union routing number is 011400149. Ask a Question. Open Today: Wednesday, April 17, 2024 - Lobby Hours: 9:00 am - 5:00 pm -133 South Bolton Street. Marlborough, MA 01752. Get Directions. (866) 585-7628. (508) 490-8000. St. Mary's Credit Union is your one-stop source for all your financial needs. View our branch details, located in Marlborough, MA (133 South Bolton Street)ATM. 100 West Main Street. Northborough, MA 01532. St. Mary's Credit Union is your one-stop source for all your financial needs. View our branch details, located in Northborough, MA (100 West Main Street) Mary's Credit Union offers loans up to a maximum of $1,500,000 for qualified borrowers. First Time Homebuyer Mortgages If you're looking for your first home, St. Mary's Credit Union has several products designed to help you open the door to homeownership at rates that may be lower than the industry standard. Overview. Established in 1913, St. Mary's Credit Union proudly calls Marlborough, Massachusetts home. For over 111 years, St. Mary's CU has been a trusted financial partner, boasting a network of 8 branches and 7 ATMs across the country.. As the 13 th largest credit union in Massachusetts St. Mary's Credit Union stewards over $992.82 …Experience: St Mary's Credit Union · Education: Calvin College · Location: Greater Boston · 228 connections on LinkedIn. View John Hendrikse’s profile on LinkedIn, a professional community of ... Check out St. Mary's Credit Union's great mortgage and home loan rates. Our programs offer some of the lowest rates and fees available along with an easy-to-use online application and personalized member service. An account in good standing with St. Mary's Credit Union; Am I able to view my deposit history within Mobile Deposit? The deposit history can be viewed within Mobile Deposit for thirty (30) days after submission. History prior to that will be available through Online and/or Mobile Banking. Experience: St Mary's Credit Union · Education: Calvin College · Location: Greater Boston · 228 connections on LinkedIn. View John Hendrikse’s profile on LinkedIn, a professional community of ...Cooperative Choice Network Credit Union Mobile Logo. Login Menu. Divisions. Members Choice Credit Union; IEC Financial Credit Union; Parish Members Credit Union; IRSE Credit Union; Division News; For Sale; ... 3919 N. University St. Peoria, IL 61614. Get Directions. Phone. Phone: (309)672-5230 Toll Free: (800)274-0209 Fax: (309)672-1990. …(1) The rates listed above include a .125% reduction for having an Automatic Funds Transfer of your mortgage payment from a St. Mary's Bank Checking Account. Rates assume a 40% down payment, and a credit score of 740 or greater.FRAMINGHAM — Police are asking for the public's help in identifying a man who robbed a bank Tuesday on Route 9.. The unidentified man got away with an undisclosed amount of money after 2:20 p.m. the robbery at St. Mary's Credit Union, 1255 Worcester Road, police spokeswoman Lt. Rachel Mickens said.. The man went into the …Learn More. *Please contact the office if you require a loan for a period of longer than 5 years. Loan Calculator. Type of Loan. Standard Loan 11.5% NEW Personal Loan 10% Car Loan 4 U 7.5% Home Improvements Loan 4 U 7.5% Mobile Home Loan 4 U 7.5% Green Loan 4 U 7.5% Education Loan 4 U 7.5% One Year Loan 8.5% Secured By Savings …St Mary's Credit Union. 100 West Main Street Northborough MA 01532 (508) 490-8000. Claim this business (508) 490-8000. Website. More. Directions Advertisement. St. Mary's Credit Union in Northborough is one of six branches serving Worcester and Middlesex counties. An active member of the ...Simple account that establishes your St. Mary’s membership; Allows for opening deposit to establish member share; $10 minimum deposit per member required to openMembership is also available to relatives 1 of existing members regardless of where they live. To establish your membership, simply open a savings account with $10, and you're in! It's that easy! Once you have a membership at St. Mary's Credit Union, you are a member for life — even if you move or change jobs outside of our field of membership.ONLINE BANKING. Online Banking puts all your Credit Union account information at your fingertips 24/7! It’s safe, secure, and easy to use. You will be able to check your account balances and transaction history, even transfer between accounts. To sign up for Online Banking, you will need to access the Online Banking System and Enroll. St Mary's Credit Union. Open until 7:00 PM (508) 393-0543. Website. More. Directions Advertisement. 293 Boston Post Rd W Suite 180 Deposits at St. Mary's Credit Union are insured by the National Credit Union Administration (NCUA) to at least $250,000. Excess deposits are insured through the Massachusetts Share Insurance Corporation (MSIC). It's important to know that not one penny of insured savings has ever been lost by a member of a federally insured credit union. A full-service Credit Union that offers checking, lending, mortgages, business banking and financial planning to New Hampshire residents and businesses. 133 South Bolton Street. Marlborough, MA 01752. Get Directions. (866) 585-7628. (508) 490-8000. St. Mary's Credit Union is your one-stop source for all your financial needs. View our branch details, located in Marlborough, MA (133 South Bolton Street) Simple account that establishes your St. Mary’s membership Allows for opening deposit to establish member share $10 minimum deposit per member required to open 508-490-8000. 46 Lizotte Dr. Marlborough, MA 01752. St. Mary’s Credit Union is headquartered in Marlborough and is the 13 th largest credit union in the state of Massachusetts. It is also the 439 th largest credit union in the nation. It was established in 1913 and as of December of 2023, it had grown to 118 employees and 53,541 members … Below are links to all of the documents that you will need to help your customers apply for a St. Mary's Credit Union loan. If you have any questions or concerns about these documents, please contact Latiffah Troncoso, Indirect Lending Specialist, at 508-490-6725. Our fax number is 508-804-6549. Certification & Resolution Relative to Borrowing REMEMBER: St. Mary's Credit Union will never ask for personal information via email. If you receive any requests for personal information, such as your full Social Security number, debit card number, PINs or account numbers, by phone, text, email or other electronic method, please call our Member Service Center immediately at (866) 585-7628. Cooperative Choice Network Credit Union Mobile Logo. Login Menu. Divisions. Members Choice Credit Union; IEC Financial Credit Union; Parish Members Credit Union; IRSE Credit Union; Division News; For Sale; ... 3919 N. University St. Peoria, IL 61614. Get Directions. Phone. Phone: (309)672-5230 Toll Free: (800)274-0209 Fax: (309)672-1990. …Learn more about our loans at St. Mary's Credit Union today. Search. Menu (508) 490-9000. Login. Locations; Rates; Contact Us; Careers; Open an Account Log In. Personal. Personal Checking. Compare Our Accounts; Free Kasasa Cash Checking; Free Kasasa Cash Back Checking; Relationship Checking; No-Fee Checking; Gateway Checking;Get more information for St Mary's Credit Union in Marlborough, MA. See reviews, map, get the address, and find directions. Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. St Mary's Credit Union. Open until 7:00 PM (508) 393-0543. Website. More. Directions Advertisement.Establishes your membership with the credit union Competitive dividends on entire balance 6 free withdrawals per statement cycle by pre-authorized automatic telephone, checks, drafts, debit cards or other similar orderFund almost any dream, goal, or plan affordably. Competitive rates for a wide variety of personal needs: Vehicle repairs or updates. Family vacation. Education expenses. Personal projects. And more. Repayment terms customized to fit your unique needs. Quick, local decision-making and processing.Get more information for St Mary's Credit Union in Marlborough, MA. See reviews, map, get the address, and find directions. Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. St Mary's Credit Union. Open until 7:00 PM (508) 393-0543. Website. More. Directions Advertisement.Call, click, or visit a branch to get started. Open Account Call: 1-888-786-2791. *Minors must have a Parent or Guardian as a joint owner. At age 21, account is converted to Beyond Savings. Establishing good savings habits can be beneficial. Learn how to earn interest with the savings account options that St. Mary's Bank offers to their members. Rate is determined by credit score, term and year of vehicle. Maximum loan-to-value is 100%. The stated rate includes a 0.50% APR AutoPay discount that applies when loan payments are automatically deducted from a St. Mary's Credit Union statement account. Rates and terms may change at any time without notice. Credit Union membership required. Get more information for St. Mary's Credit Union in Marlborough, MA. See reviews, map, get the address, and find directions.Jan 26, 2024 · About this app. arrow_forward. Easily access all of your accounts and features right at your fingertips with our mobile app. Manage your accounts, deposit checks, make transfers, pay bills and more! Manage Your Accounts. [+] Monitor your checking and savings accounts (current and available) [+] View mortgage, auto loan and other account balances. For individual ATM fees $5.00 or greater, please contact St. Mary's Credit Union to request your refund (your request may be denied if you do not meet the qualifications during the Monthly Qualification Cycle or if you have reached the maximum ATM fee refund of … St Mary's Credit Union. Open until 7:00 PM (508) 393-0543. Website. More. Directions Advertisement. 293 Boston Post Rd W Suite 180 An account in good standing with St. Mary's Credit Union; Am I able to view my deposit history within Mobile Deposit? The deposit history can be viewed within Mobile Deposit for thirty (30) days after submission. History prior to that will be available through Online and/or Mobile Banking.St. Mary's Co-operative Credit Union Ltd. 246 likes. St. Mary's Co-operative Credit Union Ltd. is a member's owned credit union since 1956 and has been serving the areas of Giraudel and Eggleston. Digital Banking. Manage your money anytime, anywhere, on nearly any device. Includes free online banking, mobile banking, and eStatements. Monitor balances, make payments or transfers, and much more. Learn More. University Credit Union offers membership to employees, students and alumni of UCLA, Pepperdine University, Loyola Marymount University, Santa Clara University, Saint Mary's College, UC Irvine, UC Davis, UC San Diego, Georgia Tech, University of Texas at Arlington, Mount St. Mary's University, Chabot College and Las Positas College, West …Overview. Established in 1943, St. Mary Credit Union proudly calls Walsenburg, Colorado home. For over 81 years, St. Mary CU has been a trusted financial partner, boasting a network of 1 branch across the country.. St. Mary Credit Union stewards over $7.5 Million in assets and proudly serves over 2,000 loyal members. As a member of St. Mary's Credit Union, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so. Business Checking Plus: Learn More. *Please contact the office if you require a loan for a period of longer than 5 years. Loan Calculator. Type of Loan. Standard Loan 11.5% NEW Personal Loan 10% Car Loan 4 U 7.5% Home Improvements Loan 4 U 7.5% Mobile Home Loan 4 U 7.5% Green Loan 4 U 7.5% Education Loan 4 U 7.5% One Year Loan 8.5% Secured By Savings …MARLBOROUGH – The Board of Directors of St. Mary’s Credit Union recently announced the appointment of Larissa C. Thurston as St. Mary’s new President and Chief Executive Officer, effective October 1, 2021. She succeeds James C. Garvey, who announced his retirement following eight years serving as President and CEO of the …Switch to St. Mary's Credit Union; Lost or Stolen Card; Financial Calculators; Routing Number; FAQs; Forms & Applications; Education. Learning Center. Money IQ; Free Homebuying Seminar; Mortgage 101. The Mortgage Process; How Much Home Can You Afford? Explore Your Mortgage Options; Fraud Protection. Preventing Fraud & ID Theft; …ONLINE BANKING. Online Banking puts all your Credit Union account information at your fingertips 24/7! It’s safe, secure, and easy to use. You will be able to check your account balances and transaction history, even transfer between accounts. To sign up for Online Banking, you will need to access the Online Banking System and Enroll.Energy Efficiency Loans. Improve your home’s efficiency with a zero percent interest loan. Available for insulation, heating systems, and more. Simple process that’s local here in Massachusetts. Learn More. Learn more about our loans at St. Mary's Credit Union today. Search. Menu (508) 490-9000. Login. Locations; Rates; Contact Us; Careers; Open an Account Log In ... Energy Efficiency Loans. Improve your home’s efficiency with a zero percent interest loan. Available for insulation, heating systems, and more. Simple process that’s local here in Massachusetts. Learn More. Telephone: +353 61 410 422. Address: 47 Athlunkard Street, Limerick, Republic of Ireland. Nearby public transportation stops & stations: 0.3 mi Arthur's Quay. 0.3 mi Dublin Coach M7 Express. 0.4 mi William St. Categories:As the 3 rd largest credit union in New Hampshire St. Mary's Bank stewards over $1.5 Billion in assets and proudly serves over 93,000 loyal members. With over 310 dedicated individuals as of April 2024, St. Mary's Bank is committed to providing exceptional financial services to its members and the community. Access reviews, ...With ACU online banking you can safely access your accounts and online services 24 hours a day, 365 days a year. Open a credit union account, view balances and transactions, pay bills securely, transfer funds, make contributions, set up account alerts and more. Learn more about online banking. Banking with purpose. True wealth comes in many forms.Overview. Established in 1913, St. Mary's Credit Union proudly calls Marlborough, Massachusetts home. For over 111 years, St. Mary's CU has been a trusted financial partner, boasting a network of 8 branches and 7 ATMs across the country.. As the 13 th largest credit union in Massachusetts St. Mary's Credit Union stewards over $992.82 … Learn more about our loans at St. Mary's Credit Union today. Search. Menu (508) 490-9000. Login. Locations; Rates; Contact Us; Careers; Open an Account Log In ... We are a Credit Union that emerged from the self-help Financial Co-operatives in Germany during the 19th century, and was established to provide financial services to poor rural and urban citizens who lacked access to traditional banking services. The idea of Credit Unionism spread to North America and the Caribbean, with Credit Unions being ...
Manage your finances anytime, anywhere with St. Mary's Online. Pay utility bills and higher purchase payments with ease. Transfer funds effortlessly between your accounts.. Cjdropsipping
Designated as a 501(c)14 State-chartered credit unions and mutual reserve funds. Donations to this organization are not tax deductible. Summary charts: organization …1 review of St Mary's Credit Union "Maria from the Hudson Branch is very helpful. Every time I come in she would acknowledge me by name and answer any questions I have about my banking needs. Making a smooth transaction each time."Elizabeth joined St. Mary’s Credit Union in 2006 and has worked in many different positions in the Credit Union including: Retails, Deposit Operations, and Loan Servicing. Liz was promoted to Commercial Loan Portfolio Manager in early 2020.Overview. Established in 1913, St. Mary's Credit Union proudly calls Marlborough, Massachusetts home. For over 111 years, St. Mary's CU has been a trusted financial partner, boasting a network of 8 branches and 7 ATMs across the country.. As the 13 th largest credit union in Massachusetts St. Mary's Credit Union stewards over $992.82 … Mary's Credit Union offers loans up to a maximum of $1,500,000 for qualified borrowers. First Time Homebuyer Mortgages If you're looking for your first home, St. Mary's Credit Union has several products designed to help you open the door to homeownership at rates that may be lower than the industry standard. Energy Efficiency Loans. Improve your home’s efficiency with a zero percent interest loan. Available for insulation, heating systems, and more. Simple process that’s local here in Massachusetts. Learn More.Keith Jorgenson, who banks at Affinity Credit Union Saint Mary's branch and runs Nestor's Bakery nearby, said the St. Mary's branch closing is not a good sign for other businesses on 20th Street.Zelle is a convenient way to send money. using your mobile banking app or online banking account. Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes 1, and all ...Glassdoor gives you an inside look at what it's like to work at St. Mary's Credit Union, including salaries, reviews, office photos, and more. This is the St. Mary's Credit Union company profile. All content is posted anonymously by employees working at St. …Elizabeth joined St. Mary’s Credit Union in 2006 and has worked in many different positions in the Credit Union including: Retails, Deposit Operations, and Loan Servicing. Liz was promoted to Commercial Loan Portfolio Manager in early 2020.Once the Member Solutions Center moves your email address or U.S. mobile phone number, it will be connected to your St. Mary's Credit Union account so you can start sending and receiving money with Zelle through St. Mary's Credit Union's mobile banking app and online banking. Please call our Member Solutions Center toll-free at 866-585 …With so few reviews, your opinion of St Mary's Credit Union could be huge. Start your review today. Overall rating. 2 reviews. 5 stars. 4 stars. 3 stars. 2 stars. 1 star. Filter by rating. Search reviews. Search reviews. Jerry C. Marlborough, MA. 0. 5. Jul 26, 2023. I am constantly disappointed with SMCU.MARLBOROUGH – Larissa Thurston, the new President and Chief Executive Officer for St. Mary’s Credit Union, has begun serving in her new position. The credit union announced her appointment in April. Thurston was appointed to succeed James C. Garvey. “Leading an organization that has been serving our family, friends and …St. Mary's Co-operative Credit Union Ltd. 246 likes. St. Mary's Co-operative Credit Union Ltd. is a member's owned credit union since 1956 and has been serving the areas of Giraudel and Eggleston.TAKING CARE OF YOU. With low rate options, rewards and benefits to match your lifestyle, a DuTrac Mastercard® can help make your goals a reality..