Overdraft

Overdraft Protecton
Overdraft protection is a line of credit that covers checks written in excess of your checking account balance. It's a line of credit that can be used again and again without reapplying.

• Lines of credit from $500 to $35,000 subject to approval
• No annual fee
• Low variable interest rates
• Low monthly payment (2% of balance with $50 minimum)
• No transaction or cash advance fees whatsoever!

ChecProtectSM
ChecProtectSM is a courtesy overdraw program designed to protect you from a costly and embarrassing overdraft experience.

• Must be repaid within 15 days
• Provides $300 protection
• Covers paper checks, check and transactions where the PIN is not entered and automatic drafts
• Does not cover cash advances

Lines of Credit

Preferred Line Of Credit
Our signature line of credit provides you flexible, purchasing power. Once your line of credit is established you can access it whenever you like for whatever you need.

• Credit limits up to $35,000 available
• No annual fee
• Low variable interest rates
• Fixed payment plans available
• Easy access with free "Preferred Line" checks
• Provides overdraft protection for your checking account

Savings Secured Line Of Credit
Enjoy the lowest loan rate available by using your savings to secure a loan.

• Credit limits up to $250,000 available
• Minimum monthly payment of 1.25% of outstanding balance
• Fixed payment option available
• May be used for overdraft protection

Stock Secured Line Of Credit
Enjoy low rates and easy access by using your shares of stock to secure a loan.

• Credit limits up to $250,000 available
• Borrow up to 80% of value (52-week low)
• Fixed payment plans available
• Low variable interest rate
• No annual fees or prepayment penalties
• May be used for overdraft protection

First Line Preferred Line Of Credit
Our First Line* provides a way for a young person to begin to establish credit.

• Credit limit of $500
• No annual fee
• Low variable interest rates

First Line VISA Credit Card
Our First Line VISA Credit Card* allows a young person to establish credit and learn the responsible way of handling credit.

• Credit limit of $500
• No annual fee
• Low variable interest rates
• 25 day grace period for purchases
• No transaction or cash advance fees whatsoever
• Accepted at over 10 million wordwide locations

*Member must be at least 18 years of age and show verification of full-time employment or full-time enrollment in college. No derogatory credit or slow payment history.

How To Get Started
Already a Credit Union member?
For your convenience you may apply online for any of our lines of credit.

Want to join the Credit Union and apply for line of credit?
Click here for more information