Protect Yourself from Costly Overdrafts with our On Demand Credit Line

The On Demand Credit Line is essentially protection just in case you overdraw your checking account. If you overdraw your account available funds will automatically be transferred into your checking account so you don’t bounce any items.

• Unsecured revolving line of credit.
• Linked to your checking account.
• Automatically covers overdrawn or bounced checks.
• Credit limit up to $2,000.
• Convenient access by check, debit card or online.
• Can be used to write yourself a small loan up to approved limit.
• Fixed rate loan.

Never Bounce Another Check

It’s good to be disciplined and record all of your purchases, withdraws and deposits into your checking account register. Good record keeping should prevent you from overdrawing your account. If you accidentally overdraw your account however, because your records may not be accurate, we will automatically transfer money from your On Demand Credit Line into your checking account. You will receive a monthly statement as long as you have an outstanding loan balance on your line of credit.

Some members like having access to this line of credit so that in an emergency for a quick small loan, all you have to do is write yourself a check up to the available amount you have on your On Demand Credit Line.

Details on repayment of On Demand Credit Line:

• Billed monthly.
• Minimum monthly payment is 5% of total balance or $25, whichever is greater.
• Interest accrues on outstanding unpaid balance.

People Helping People

You can apply for almost all of our loan products online and get fast and some times instant approval!

Quick Tip:

If you are already a member and want to apply for a loan online, it’s easier to apply once you’ve logged into our Online Banking. That way we can save you time by pre-filling the application with most of the mundane information we already have on file for you.