LAS VEGAS and LUTHERVILLE, Md. – With renewed focus on credit unions proving they are serving those of modest means, two credit unions announced products that could show they are indeed fulfilling that mission. Las Vegas-based WestStar Credit Union announced that it is enhancing its "2nd Chance Checking" product. It is offered to members who have had previous problems balancing and maintaining their checking accounts. The credit union says it will now graduate members who have gone one full year with no NSF activity to regular checking accounts. "Members that were previously 2nd Chance Checking account holders no longer have a $10.00 monthly service charge. We decided to give our members the credit they deserve by rewarding them for their accomplishment," said WestStar Marketing Manger Kelly Bedard. First Financial of Maryland Federal Credit Union has introduced Safety Line, a payday loan alternative product. "We know a portion of our members are utilizing the services of payday lenders. We want to offer them a lower cost solution and provide them with free financial education to help them better understand and manage their finances," said First Financial CEO Robert Windsor. Safety Line is a line of credit with limits from $200 to $500 and rates starting from 12.9% APR. There is no application fee, but a $5 monthly fee.