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


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