These types of loans are granted to qualifying members without collateral being required:

• Signature (Closed-End)
• Easy Access Line of Credit
• Overdraft Line of Credit

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Signature Loans (Closed-End)

Signature loans (closed end) are available for any legitimate purpose to members. The credit union has offered special interest rate reduction promotions periodically on such occasions as Christmas loans and vacation loans. Members need to qualify according to their past credit history.  

• Complete and submit a secure Loan Application at your convenience.
• Use our handy Loan Calculator to determine how much you can borrow to meet a monthly payment goal, or how much your payment will be if you borrow a certain amount of funds.  

Easy Access Line of Credit

Easy Access Line of Credit loans (open end) are lines of credit that are established for the members’ convenience of borrowing. Simply setup a line of credit on your account, and you can draw from it whenever you need funds. Credit lines are reviewed periodically and repayment terms are established for up to three years. 

1. Apply for an Easy Access Line of Credit securely online. 
   
2. The Line of Credit funds will be available for you to access anytime, for any purpose. 
   
3. You can access your Easy Access Line of Credit in several ways:

• Simply write a check from your checking account and any additional funds will draw from your Easy Access Line of Credit loan.
• Request a check-to-self through Home Banking.
• Transfer funds from your Easy Access Line of Credit to your savings or checking accounts.

Overdraft Line of Credit

Overdraft loans are available to qualifying share draft checking accounts. Instead of having checks returned for non-sufficient funds, a member automatically draws upon a pre-determined line of credit. Repayment can be in monthly payments or the member may pay the balance in full. 

• Complete and submit a secure Loan Application at your convenience. 
• Use our handy Loan Calculator to determine how much you can borrow to meet a monthly payment goal, or how much your payment will be if you borrow a certain amount of funds.