Alternative Payday Line-of-Credit (APLOC)

We offer a $500 line-of-credit for emergency purposes and when a CU member does not currently qualify for an Overdraft LOC.

  • The member must have been a members for at least six months and have direct deposit to apply for an APLOC.
  • There is a $35 application fee.
  • There is a fixed rate of 18% APR on our APLOC.
  • The APLOC must be repaid within a three month period, so it is intended as a very short-term loan but can be re-used again when needed.

After one year of positive repayment of an APLOC, the member will automatically qualify for an Overdraft LOC and the rate will be changed to 13% APR and the minimum payment will be reduced to $20 per month.

Our Members make the difference.

Member Since 1985

"I joined the credit union because my bank was starting to charge fees for different transactions and setting a minimum amount on how much you had to have in your account. I decided it was time to put my money where my mouth was and support local businesses. So, I opened a checking and saving account with the credit union. In 2004, I got a mortgage with them - which they helped me stay on top of when I was laid off for a short period. I have direct deposit there for work and I did open up a line of credit there many years ago; I don't use it often but it's nice to know it’s there in case I do need it. People at the credit union dress differently, they don't wear suits and they're down to earth. When I go there, it's friendly and welcoming. I like the brickwork and the fact that they have local artwork on the walls. Most of my friends already bank there."

Deb Muratore

LOST or STOLEN VISA Debit Card? Please call 1-888-241-2510.