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 2003

"I love doing business with the Credit Union. While I really like to keep my life simple and close to home, I've kept my accounts with the Credit Union even though I recently remarried and moved a little further away. I just feel welcome, established, and connected there. It feels good to support such a human-sized institution where accounts and lending are handled with compassion and common sense - not just by numbers or a computer program. I feel that by depositing my money at the Credit Union, I am helping it be possible for that money to be lent out to help good things happen for other people. I want my son, Dylan, to be positively influenced by that experience, too."

Patty & Dylan Love

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