Overview of Lending Services
We believe a member should be a saver BEFORE becoming a borrower. All members must meet credit criteria as established by policy.  All loan applications must be signed and accompanied by verification of income. It is preferable that loans be repaid through payroll deduction so that you will always remain a member in good standing. Loan rates vary depending on the type of loan and change frequently, you can see tables of current loan rates at our Interest Rates Page.

Full service members receive 1/2% discount on loan rates and 1/4% higher rates on share certificates. To meet these requirements, you need to have a savings account, a share draft account, VISA, debit card, and an IRA account. The interest rate on loans is dependent on credit score.

Available Products

VISA Card
No Annual Fee
Excluded from Life Insurance
Excluded from Full Service Discount

New Car Loans
Up to 72 months

Used Car Loan
2003-2005 up to 60 months
2002 up to 48 months
Older models up to 36 months

Personal Loan
12, 24, 36, 48, 60 months

Education Loan
Up to 60 months

Home Improvement Loan
Up to 96 Months

Home Equity Loan
Up to 180 months
Member responsible for closing costs
No application fee
No Title Insurance required on most loans
Excluded from Life Insurance

Boat, RV, & Trailer Loans
Up to 96 months

Privacy Policy | Billing Rights If you have a question about your account contact a Member Service Representative. If you think your statement or a specific transaction is incorrect contact the Supervisory Committee. We operate in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.