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 2001
"The credit union has helped me straighten out my credit so I could own a home. They helped me every step of the way to homeownership right down to recommending and suggesting various avenues to save money and providing me with my first mortgage. They have always been there to make recommendations when I needed financial advice. I'm a member for life because they've made such a difference in my life."