Overdraft Line-of-Credit
We offer a $100 - $500 overdraft line-of-credit to provide members with an alternative to overdrawing their account or being hit with "NSF" (insufficient funds) fees. However, this only works if members routinely pay down their overdraft LOC balance. Our overdraft Line-of-Credit is payable at the end of each month with a $20 minimum payment. This is a helpful way for members to establish credit as well as provide them with a cushion when using their debit card. The line-of-credit is a revolving account, much like a credit card balance. There is a fixed rate of 13% APR on our Overdraft LOC. A larger line-of-credit is available, based on the following credit scores:
CREDIT SCORE |
MAXIMUM LINE-OF-CREDIT |
| A+ 740 and Up | $10,000 |
| A 680 - 739 | $10,000 |
| B 640 - 679 | $7,500 |
| C 600 - 639 | $5,000 |
| D 550 - 599 | $2,500 |
| E 549 and Less | $2,500 |
Our Members make the difference.
Member Since 2004
"When I first came to the credit union and talked to one gentleman, he was so amicable and welcomed me with a warm reception. I have stayed solely because of the employees. All of them, without any discrimination are welcoming, friendly, amicable people. Everyone is suitable for the job as I see it from the front desk, the tellers and supervisors. I also get the advantage of having my tax return prepared for which I thank you all solicitously."