Home Page Image


(1) Personal loans are subject to approval. Loan officers are available at all of our branches.
(2) Financial counseling is provided free of charge to anyone.
(3) A home equity line of credit is secured by your primary residence and can be used to finance home improvements, a car, boat or other major purchase.
(4) An installment loan can also be used to finance home improvements, a car, boat or other major purchase.
(5) Interest paid on a loan secured by a mortgage on your primary residence may be tax deductible. You should consult with your tax advisor.
(6) The APR for a home equity line of credit is based on Prime Rate with a floor of 5.00%.
(7) Amortization determines the monthly payment for installment loans. Both principal and interest are payable at maturity for single pay loans.

Personal Loans (1) (2)

Features  Home Equity Line of Credit (3)  Installment Loans  (4) Single Pay Loans 
Term  Revolving  6 to 180 months  1 to 12 months 
APR - Annual percentage rate (5) Varies based on prime (6)  Interest rates vary  Interest rates vary 
Closing costs  Closing costs vary Closing costs vary  Closing costs vary 
Access directly by check 
Yes  No  No 
Access through checking account  Yes  No  No
Minimum monthly payment  Interest Only  See below (7)  See below (7)

Can be used for overdraft protection  Yes  No  No 
Credit life insurance available  No  Yes Yes
Credit A&H insurance available No Yes Yes

 Talk with us about the best way to meet your financial needs.




                                                             Home  |  Annual Report  |  Privacy  |  Proxy Statement and Card  |  Member FDIC  |  Equal Housing Lender  | NMLS# 456430  |