Products/Services





REWARD BASED LENDING
Effective August 1, 2002

If you have a good credit history, you should receive better rates.  That’s how Reward Based Lending works.  The interest rate you pay for a loan is reflective of your prior credit record.
 
When you borrow from your Credit Union, the loan rate is determined by the loan purpose as well as your credit history and credit score.  The better your past credit, the better your rate can be.  If you have a high credit score and strong payment history, you will qualify for our best loan rates.  If you have a few credit blemishes in your past, the Credit Union has more flexibility in approving your request for a loan.  We may be able to approve some loans that we would have denied in the past.  And remember, you have the chance to make improvements to your personal credit score...no borrowing member is 'assigned' a credit score, you 'earn' it!  The Credit Union will show you how to access your own credit score and make changes that can raise your score over time.  This can help you qualify for lower rates.
The Credit Union has always offered members a good deal on loans.  Reward Based Lending  helps us keep our loan rates extremely competitive and  allows many members to save money.

  • Lifetime Membership
  • Blood Relative Membership
  • Share Savings Account
  • Audio Response
  • Home Banking  
  • Deposit in person, through ACH, or by mail
  • Transfers by Audio Response or Pipeline Banking
  • Withdrawals by phone, in person, or by mail
  • Savings Insured up to $100,000, the National Credit Union Administration
  • Life Savings Insurance up to $2,000, (subject to policy)
  • Share Draft (checking) Accounts
  • Instant Cash & Check Card or Instant Cash Card
  • Certificates of Deposit
  • IRA Share Accounts  IRA Certificates of Deposit
  • Roth IRA Account Roth IRA Certificates of Deposit
  • VISA Classic Card, no annual fee
  • New & Used Vehicle Loan    New & Used Boat Loan
  • New & Used Motorcycle Loan
  • Other Secured Loans    Signature Loans
  • LOANplus Loan (mortgage on home, interest paid could be tax deductible)
  • Loan Protection Insurance (subject to policy)
  • Temporary Disability Insurance at low cost (subject to policy)
  • Closed-End  Second Mortgage Loan
  • NO FEE American Express Traveler Cheques
  • NO FEE Notary Service
  • NADA Reference Books
  • Used Autos, Used Boats, Used Motorcycles, Used RV’s
 

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 National Credit Union Administration, Your savings federally insured to $100,000