Signature loans and lines of credit
These unsecured loans can be used any way you like. The criteria are based on your debt ratio, credit history and Beacon score. We offer two types of signature loans, a closed-end loan (terminated when it is paid in full), and an open-end loan (with a revolving line of credit). Saving for a special purpose? Try a vacation or holiday loan.

Overdraft protection
This loan is a good line of protection against overdraft charges and fees. It will cover any charges in excess of the balance of your share draft checking account, up to a pre-set limit.

Share or certificate secured
With a secured loan, you may borrow up to a 100% of the value of your share account or share certificate at a low interest rate. Have money available for purchases without depleting your savings.

See Our Loan Rates

Apply Now
Apply for a loan online by clicking here. Or, you may call or come in.

You can pay your loans off as quickly as you like, without penalty. Repayment can be done in person, by phone or online at your convenience. You can even set up automatic payments.

Protect your family with loan insurance
Credit life and disability insurance is available on every loan we offer except Visa. It's a good way to prevent your family from hardship if you're unable to provide for them due to unforeseen circumstances.

To be covered on a HELOC of over $15,000, you'll need to fill out a health questionnaire, and your maximum coverage will be $50,000.00 for life. On disability the maximum is $750. Closed-end second mortgage coverage is for $30,000, with the maximum disability payment being $600.

Furlough Assistance
We have modified our Courtesy Pay to help our members effected by the furloughs.  Below is the qualifying criteria for Furlough Courtesy Pay Advances:

• You must have direct deposit and a checking account with us.
• You must provide us with a copy of your paycheck with the furlough day listed.
• We will advance the courtesy pay for the amount on your paycheck for the furlough day, not to exceed $515.00.
• You will be charged $15.00 to advance the courtesy pay instead of the normal $30.00.  (If you advance courtesy pay for more than the amount on your paycheck you will be charged the full $30.00)
• You have 30 days – two pay periods to pay back the advanced amount.

If for any reason you do not pay the courtesy pay advance back with in the 30 days, this privilege will be removed from your account.  The account must be brought current within the 30 days in order for you to advance courtesy pay again.