Regular Shares Checking Accounts IRA Accounts Christmas Club
Loans Signature Loans New & Used Automobile Loans
Share Secured Loans Mortgage & Home Equity Loans
Line of Credit Overdraft Protection Loans

SAVINGS ACCOUNTS

REGULAR SHARES

The minimum balance to maintain membership is $50 in a Regular Share Account. Dividends are computed on the average daily balance and compounded quarterly on the last day of March, June, September and December. Rates are determined by the Board of Directors at the end of each quarter.

CHECKING ACCOUNTS

Our Share Draft Account requires no minimum balance and charges no monthly service fee. ATM access with our Debit Card are free with direct deposit. A line of credit loan and your savings account are also available for use as overdraft protection. Sign up for Teller Talk and perform balance inquiries, transfers and cleared checks inquiry from a touch-tone telephone any time of day.

As an added convenience, check re-orders can be conducted online directly with both of our check printing partners, Deluxe and Liberty.

IRA ACCOUNTS

An Individual Retirement Account is a great way to reach financial security at retirement. Dividends are computed on the average daily balance and compounded quarterly. Rates are determined by the Board of Directors at the end of each quarter.

CHRISTMAS CLUB

A convenient way to save for Christmas year-round. You decide on your monthly savings plan and end-of-year goal. Deposits may be made by payroll deduction, by mail or in person. Dividends are computed on the average daily balance and paid on April 30 and at maturity on October 31st.

LOANS

Our primary concern is the financial well being of our members. We encourage our members to consult our loan officers when seeking financial help. Our loan policies are designed to meet the borrowing needs of our members within the guidelines of credit worthiness. Credit history, current ability to repay, existing debt and acceptable security are a few of the important factors considered by our loan officers. We can help your financing needs with the following types of loans: (Rates disclosed are the lowest rates offered by the credit union. Rates are determined by a credit performance evaluation, your actual rate may be higher depending on your individual credit history.)

• Signature (Personal)
• New and Used Automobiles
• Share Secured
• Line of Credit Overdraft Protection

• a completed loan application
• income verification reflecting the previous thirty (30) days worked
• and a non-refundable $2.50 fee to obtain your credit report.

The maximum allowance for this loan is $15,000 for full-time employees and $1,000 for part-time employees.

NEW & USED AUTOMOBILE LOANS

We finance 100% of the purchase order price on a new vehicle not to exceed $30,000. We will finance 90% if the purchase order price is over $30,000, but not to exceed $40,000.

We finance 100% of the Kelly Blue Book Retail Value of a used vehicle not older than five years and not to exceed $30,000. We will finance 90% should the vehicle's retail value be over $30,000, but not to exceed $40,000.

SHARE SECURED LOANS

The maximum allowance for this loan is determined by the amount of savings that you want to pledge as collateral.

LINE OF CREDIT OVERDRAFT PROTECTION LOANS

The maximum line of credit is $1,500. Your line of credit will be determined by the credit performance evaluation of your individual credit history.

APPLY FOR A LOAN NOW