Loans

VISA

Our VISA credit card is accepted world-wide, with no annual fee, and is still a low, fixed rate. Call the office today to ask for an application.

Save money on postage and checks! Just a phone call to the office, and you can have your VISA bill paid directly out of your account.

APR^*	10.50% (periodic rate of 0.875% per month)
Fees for Insurance or Availability	None
Minimum Finance Charge	None
Transaction Charge per Use	None
Grace Period	25 days on Purchases None on Cash Advances
Balance Computation Method	Average Daily Balance
Other Charges
Late Payment Fee	$10.00 after twenty (20) days
Returned Check Fee	$20.00
Over-the-Limit Fee	$20.00
Card Replacement Fee	$2.00
Collection Costs	To the extent permitted by law, you will be also required to pay the Credit Union's 20% collection expenses, including court costs and attorney's fees.

The preceding disclosures were posted February 11, 2000 / updated June 26, 2004 and are accurate as of the latest date. Rates and terms are subject to change. Please contact your Credit Union for any changes since the terms were posted.

^* Annual Percentage Rate

First Mortgage Loans

Your credit union can assist qualifying credit union members in acquiring first mortgages. You can get more information from the member loan information center, use the prequalification calculator, or the mortgage payment calculator by simply clicking on the appropriate link.

Online Access to your Credit Card Account Information!

You can now access your account information on the Internet! eZCardInfo.com enables cardholders to browse and view their current card information, including:

Account Balance
Available Credit
Amount and Date of Last Payment
Minimum Payment Amount and Due Date

Last Statement Date
Cash Advance Limit
Transactions Posted Since Last Statement

Simply click here and enter the card number and security code, and you can see the information about your account. You can access payment address information as well as instructions and forms for handling disputed charges.

Certegy provides eZCardInfo.com as part of your cardholder service package, at no charge. It is a completely generic service, with no Certegy or institution branding.

Signature Loans	Need cash for an emergency? Need it fast? Borrow up to $5000.00 on your signature alone! No collateral needed! Rates vary, so give us a call for the current rates.
Co-Maker Loans	Do you need more than $5000.00? Borrow up to $7000.00 or $8500.00 with a Co-Maker loan. The Co-Maker acts as collateral for this loan. Rates vary. Give us a call for current rates.
Share Secured Loans	You can borrow against your shares! Limits depend on your share balance. The interest rate will be at least 3% lower than the current Signature Loan rate. Shares will be held as collateral.
Automobile Loans	Need a new car? You can get a loan for a new or used automobile. The loan amount is determined by the book value or the invoice price. Rates and terms vary between the new and used vehicle loans. Call us for current rates.
Boats/Motorcycles/ATVs/etc.	Thinking about a new recreational purchase? A boat to watch the sunsets on the lake? An ATV for a more adventurous pastime? Loans are available for these purchases and more! Loan amounts are determined by the invoice price or appraisal value.
Home Equity - Variable Rate*	Homeowners, you can be approved for the amount of equity in your home. This loan has a five year draw period and a 10 year repayment period. The rate is adjustable on April 1st and October 1st, but will never adjust more than 2 percent every 6 months.
Second Mortage - Fixed Rate	Homeowners can also apply for a closed-end fixed rate loan.
PHEAA Loans	Higher education in you future? Here's a loan to help you or your child on your way! Give us a call for all the current information regarding this type of loan. For your convenience, you will now be able to access your student loan data over the Internet. Please visit PHEAA's Website and go to "Online Account Access". This user friendly, secure site will be updated and enhanced periodically to assist in answering your student loan questions. .

* Minimum credit line $2000 maximum $50000. Terms up to 15 years. Application processing fee up to $500. Fees may be waived, subject to credit approval. Certain restrictions/qualifications apply. Consult your tax advisor regarding deductibility of interest. Variable rate subject to change semi-annually, 1% over the published Wall Street prime rate. Closed-end fixed rate loans also available.

PHH Mortgage Financing

Mortgage financing made simple!

Just call 1-877-308-2569 or click on the link above!

Before you call, have the following on hand:

ABOUT YOU

Name and Social Security number of each applicant

Address of landlord or address of mortgage company and mortgage account number

ASSETS

Source(s) of down payment and closing costs

Credit Union address, account number and approximate balance

Value of assets (stocks, bonds, mutual funds, etc.)

Net worth of businesses owned (if applicable)

DEBTS

Confirmation of credit cards and installment loans

Information on any other properties owned (rental, investment, second homes, etc.)

Alimony / child support payments (if applicable)

INCOME

Monthly salary and source of income

Information on employment

Hours of Operations
Monday - Friday 8:30 am - 10:00 pm
Saturday 8:30 am - 8:00 pm

Contact the office for service.