To be considered, you must be 18 years or older and the Primary Account Holder of an account that has been established for at least six months. When evaluating your application, a loan decision takes into consideration your membership, including factors such as payment history and deposit activity. To improve your membership standing, you can do things like: establish direct deposit, use your checking account regularly for daily purchases, stay up to date on your loan payments, and avoid overdrawing your account.