Regular share accounts require a $10 minimum balance to maintain membership. Deposit earns prevailing dividend if average daily balance is $100.00 or more. Deposits may be made in any increment.

This account offers you a higher dividend rate while still allowing the flexibility to make a withdrawal when you need it. Requires $1,000 balance maintained in a regular share account and an additional $2,500 to open the high yield share account. Deposits may be made in any increment.

Require a minimum deposit of $500 to open. Terms range from 3 to 60 months. Jumbo Certificates of Deposit require a minimum deposit of $25,000.00.

$250 minimum. Terms range from 12 to 60 months.

IRA Share Account:

Traditional, Roth, and Educational IRA programs are available.

• Share Draft Accounts:

Requires an initial deposit of $100 to open. No monthly minimum balance requirements. ($2.00 Fee if the Daily balance falls below $100.00.)

• Overdraft Protection is available from savings (share account), an approved Revolving Line Of Credit or Overdraft Courtesy Pay program.

• Electronic Funds Transfer (EFT) is available for payroll deposit and bill payment.

• Savings Secured Loans:

Up to 90% of the available balance in share account, with terms up to 60 months.  Rates vary depending on type of share used.  For further information please contact your local branch.

• Personal/Signature Loans:

Up to $5,000, upon qualification, with terms up to 48 months. Rates vary depending on the term of loan.

• Vehicle Loans:

New or Used Automobile - up to 100% financing of price or blue book retail value, with terms up to 72 months. Interest rate may vary depending on term of loan. Pre-approval is available.

 

Motorcycles:

New or Used Motorcycles - up to 100% financing of price or blue book retail value, with terms up to 60 months. (20% down payment required)

• New and Used Boats:

10% down payment required, with terms up to 120 months.

• Camper and Motor Home:

10% down payment required, with terms up to 120 months.

• Personal Recreation Vehicle Loans:

Includes snowmobiles, jetskis, and 4 wheelers. Terms up to 48 months.  Requires a 20% down payment.

• Home Equity

Choose from an open line of credit with a variable interest rate which adjusts monthly or our closed end fixed rate loan with a term up to 120 months.  Maximum allowed is 100% of SEV (State Equalized Value) or a current certified Appraisal Minus any outstanding first mortgage balance.  Rates and terms are available upon request. Certain restrictions apply.

• Home Improvement Loans:

Terms up to 120 months. Rates vary depending on term of loan.

• Antique, Classic and Exotic Vehicles:

Terms up to 120 months. 10% down payment required. Value of vehicle must be at least $50,000.00.

• Revolving Line Of Credit:

Advances can be made at a credit union branch office or by check. Payments are calculated at $30.00 per $1,000.00 of outstanding balance.

• Mortgages:

Offered through our Mortgage Center. They can be reached at 1-888-390-7685. Or check out their Web Site .