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 Primary Financial Products Include:
Share Accounts (Dividend-paying savings accounts):
Regular share accounts require a $25 minimum balance to maintain membership.
Share Certificates Accounts:
Require a minimum deposit of $2,000 to open. Terms range from 3 months to 24 months.
Share Draft Accounts:
Require an initial deposit of $100 to open.
Overdraft Protection is available from savings (share account) to prevent returned items due to insufficient balance in a Share Draft Account.
Electronic Fund Transfer (EFT) is available for payroll deposit and bill payment.
Lending Products Include:
Share Secured Loans:
Up to 90% of the available balance in share account, with terms up to 60 months. The Rate is 3% above the rate being earned on share accounts or share certificates.
Personal/Signature Loans:
Up to $10,000 with terms up to 48 months. Rates vary depending on the credit worthiness of the applicant.
Computer Loans:
Up to $3,000 with terms up to 24 months. Rates vary depending on the credit worthiness of the applicant.
Auto Loans:
New or Used Automobile - up to 100% financing of price or book value, with terms up to 84 months. Rates vary depending on percentage of auto price to be financed and the credit worthiness of the applicant.
Pre-approval is available
New Boat/RV Loans:
Up to 100% financing of price (maximum of $60,000), with terms up to 120 months. Rates vary depending on term and the credit worthiness of the applicant.
Used Boat/RV Loans:
Up to 100% financing of price (maximum of $60,000), with terms up to 84 months. Rates vary depending on term and the credit worthiness of the applicant.
Ask about the credit union’s loan discounts to reduce your interest rate.
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