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Overdraft Line-of-Credit

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All Members with a Share Draft (Checking) Account are eligible to apply for an automatic Overdraft Line-of-Credit. This optional line-of-credit is like having a security blanket for your Share Draft account.

An Overdraft Line-of-Credit is an excellent way to protect you from overdrawing your Share Draft Account. For example, should you write a draft for a certain amount and forget to transfer funds from another account to cover that draft, a loan will automatically be advanced and deposited into your share draft account to cover that draft. Then you simply pay off the loan that was advanced, plus any interest, with the funds that were scheduled to cover that initial draft.

All overdraft loans are advanced in increments of $100.00, with a required minimum payment of $40.00. Overdraft Lines-of-Credit are granted to creditworthy members usually ranging from $500 to $1,000.

You may apply for a Overdraft Line-Of-Credit here now by clicking the "Launch" button on this page and logging into e-Teller, by filling out an application at one of our branch locations, or contacting our call center at 888.252.8932.

Loan Rates
ACCOUNT TYPE APR** TERM Payment/$1,000
Secured (auto, RV, motorcycle, etc.)- 24 months* 2.20% 24 months $42.63
Secured (auto, RV, motorcycle, etc.)- 36 months* 2.20% 36 months $28.73
Secured (auto, RV, motorcycle, etc.)- 48 months* 2.20% 48 months $21.78
Secured (auto, RV, motorcycle, etc.)- 60 months* 3.00% 60 months $17.97
Secured (auto, RV, motorcycle, etc.)- 72 months* 3.80% 72 months $15.55
Unsecured* 9.70% 48 months $25.23
Home Equity Line of Credit* 3.25% Adj.*** 180 months $8.69***
Home Equity Loan* 3.25% 84 months Call
VISA Cards- Platinum^ Prime + 4%
VISA Cards- Gold (No Annual Fee) 9.99%
VISA Cards- Classic ($15 Annual Fee) 11.90%
VISA Cards- Classic (No Annual fee) 13.90%
Certificate Secured Cert. Rate + 3% Adj.
Share Secured Share Rate + 3% Adj.
Overdraft Protection 15.00%
All rates subject to change without notice.
* Rates "as low as"
** Annual Percentage Rate
***Annual Percentage Rate. Monthly payment of $13.33 per $1000 for 84-months. Auto-payment & online application required. Initial $25 deposit for membership required. Additional restrictions apply.
^All rates subject to change without notice.

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