- New and Used Cars
- Motorcycles, Boats, and RVs
- Personal
- Home Improvement
- Home Equity
- Mortgages
- Students Loans
General Loans
New members are automatically eligible to apply for a loan. Applications will be reviewed and acted upon by a loan officer.
Interest is charged only on the unpaid balance and there is no penalty for early payoff or larger payments. Loan payments may be made automatically from your savings account, by mail, by our night depository, through CU-Connect, or in person.
Please check out our loan rates page for current rates.
VISA Credit Cards
Click here for application and complete disclosure
In order to give our members the advantage of low cost charge cards we offer the following VISA card program:
| Annual Fee |
None |
| Grace Period |
25 Days |
| Annual Percentage Rate for Cash Advances and Installment Purchases |
11.9% |
Visa cardholders have a grace period of 25 days on all charge purchases. You only pay finance charges when your bill is not paid in full on the due date.
Cash advances accrue finance charges from the date you take the cash advance until the date you pay it in full.
You will receive a personal identification number (PIN) which will allow you to obtain cash advances at ATM's around the world displaying the VISA logo. You can also get a cash advance in our office as well as at banks and Credit Unions offering VISA cards.
VISA Check Cards
Visa check cards offer the convenience of a checking account without the hassles of writing a paper check. VISA check cards automatically deduct funds from your checking account, carry no annual fee, and can be used in ATM machines for cash withdrawals. At a point of sale, simply choose the "credit" option to avoid the terminal fee; ATM terminal fees cannot be avoided. VISA check cards look like a VISA card but do not replace your charge card, since it deals only with your checking account. Members can also apply for a line-of-credit and overdraft protection for the check card. Applications can be requested at the office.
Loan Protection Insurance
Life and disability insurance coverage is available at low cost to members when taking out a loan. This insurance will make loan payments if a member is sick or otherwise disabled. In order to keep costs at a minimum, this coverage requires the member to be unable to work for 30 days before coverage begins, and will cease when the member is able to return to usual duties.
This product is not insured by NCUA, not underwritten or guaranteed by NCUA, and there is no requirement to purchase as a condition of the loan.
FACT ACT DISCLOSURE
The FACT Act requires Credit Unions to notify members of any negative information the Credit Union furnishes to a consumer reporting agency. Therefore, we may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit score.
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