Loan Products
Mortgage Loans
- Competitive interest rates with terms for five to 30 years
- May escrow taxes and insurance
- No application or loan origination fee
- Loans not sold to other institutions
Home Equity Line of Credit
- No closing costs
- Variable rate equal to 1.01% below prime
- 10-year draw period
- 15-year payback period
- Monthly payment may be interest only, if desired
- Easy access thru Visa credit card or courtesy checks
Home Improvement Loans
- Loans less than $10,000 may be approved as a personal loan
- Other amounts may be done as a mortgage
Personal Loans—Unsecured
- Terms up to 60 months
- Use loan for whatever you choose
Auto Loans
- Free pre-approval before shopping for auto
- May apply by phone, online, or at selected auto dealerships
- On-the-spot approval
- GAP insurance available
- 100% financing available
- Great rates for vehicles 12 years old and newer
- Vintage car loans available
- NADA price guide used
- Purchase car, truck, van, motorcycle, boat, or RV
Roth and IRA Accounts
- Fixed rate IRA share certificates
- Variable rate IRA shares
- Dividends paid monthly
Money Market Account
- Dividends guaranteed higher than regular savings
- $2,500 minimum balance
- Up to three withdraws per month
VISA Credit Cards
- Classic, Gold, and Platinum VISA cards available
- No annual fee and low interest rates
- 25-day grace period on purchases when balance is paid in full each month
- Same rate for purchases and cash advances
- Free cash advances
- Free balance transfers
- Free travel accident insurance
- Supplemental auto rental insurance available
- Credit life and credit disability insurance offered
