* First step in credit union membership

* $5.00 minimum balance to open

* Quarterly Statements

 

 

 

* No minimum balance

* Unlimited check writing

* No maintenance / monthly fees

(compare our fee schedule with local banks and savings and loans and you will see the benefits of credit union membership)

* Monthly Statements

* Debit Card with MasterCard logo   that you can use anywhere MasterCard is accepted

* Overdraw transfer from Savings Account FREE  up to six times per month

* Optional OverDraft Protection Line of Credit Available

* Direct Deposit and Payroll Deduction Available

 

 

Our share draft / checking accounts give you the flexibility you need at the price you want. Don’t go to a bank and get charged for them to move your own money from savings to checking to cover a check! (often know as a "sweep" transaction) We’ll do it for free! That’s right, if a check is presented for payment and there are not sufficient funds in the account, we will move the money from your savings account for FREE! (up to six times per month) Although we don’t pay dividends (interest) on our checking accounts, many times if you compare what your yearly maintenance fees are to the amount of money you earned on your checking account, you still lose in the end.

 

* Access your accounts from any computer with an internet connection, 24 hours a day, 7 days a week

* View complete account history

* Download account statements

* Make transfers and loan payments 

 

 

 

* We offer Roth and Traditional

* Invest in 2 options: Regular Share Account or a Share Certificate

 

 

 

* Holiday, Travel and “Special” club accounts available

* Great way to save for Christmas, vacation, anniversaries, taxes, car repairs, etc.

 

 

 

* Minimum balance of $1000

* Various terms to meet your individual needs

 

 

 

* New and Used Vehicles

* Home Equity

* Unsecured (signature) up to $5000

* New and Used Boats

* New and Used Motorcycles

* New and Used Campers / RV’s

* Visa Credit Cards from $500 to $5000

* Risk based pricing

 

 

 

Risk based pricing: Your particular rate on a loan will be based on your credit history. Applicants with outstanding credit will be rewarded with favorable rates while we will still be able to assist those with less than perfect credit in a beneficial way. Individuals with less than perfect credit may receive a higher rate but they will be repairing and rebuilding their credit (whereas they may be turned down for credit elsewhere) so that in the future they can take advantage of our more favorable rates. Check out our rates section. It lists ranges for each type of loan offered. The range shows the lowest and the highest your rate could be for that loan.