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Finance or refinance your vehicle with us today.

Rates as Low as 1.49% Fixed APR.

Introducing our new home equity programs.

Rates Beginning at 2.99% APR.

The LOC Heroes Program:

Featuring Special Rates and Exclusive Benefits.

Adventure is calling!

RV Loan Rates as Low as 4.24% Fixed APR.

Banking that's convenient for you.

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Auto Loan

APR as low as

1.49%

HELOC

APR as low as

3.00%

Home Equity

APR as low as

2.99%

Personal Loan

APR as low as

6.99%

Credit Card

APR as low as

9.90%

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Get Comfortable With Your Credit

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An important component of financial success is maintaining a good credit score. A credit score is a number used by financial institutions and credit card companies to determine risk level when issuing you a loan or a credit card. This number also plays a vital role in determining the interest rate and whether or not you should be approved. Do you know what your current credit score is or how you can obtain it?

Your credit report is an overview of your loan payment history, certain bill payment history and status of your credit accounts. Your credit report is important because it influences your credit score. Generally, a higher score means easier approvals for credit and lower interest rates. This makes your three-digit credit score one of the most important numbers in your financial life.

Breakdown of a Credit Score

Credit scores range between 300 and 850*.  Credit scores less than 580 mean you could be denied a loan or credit card. Scores ranging from 580-740 could mean you may not get turned down for a loan, but you will likely be charged a higher interest rate. Scores above 740 typically result in lower rates and the best approval odds.

*Interest rates and approvals can vary based on the credit score. Actual scores may be interpreted differently depending on the financial institution.

Review Your Credit Report

By law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax and TransUnion - once every 12 months. You should check your credit reports from each of the 3 bureaus annually. Doing so will make sure your credit is up-to-date and accurate. An error on your credit report could negatively affect your credit score and you don’t even know it. Each reporting agency collects and records information in different ways and may not have the same information about your credit history, so it’s important to review all three. Keep your eyes open for recent inquiries, late payments, collection accounts or judgments that could be hurting your score. If you find an error, contact the credit agencies to dispute as soon as possible.

Amidst the COVID-19 Pandemic, you can now access a FREE weekly credit report by visiting annualcreditreport.com.

Interested in learning more about your credit report? Our Credit Review Program is available to all members and non-members who are interested in diving deeper into their finances, credit score and credit history. This program allows our team to analyze your full financial picture and provide you with suggestions, tips and ideas for ways to ensure you're getting the most out of your finances.

Understanding your credit report can go a long way toward helping you achieve a better credit score in your 20s and beyond. Reviewing it regularly can help you keep track of your progress as you work on improving your credit score. Above all, it’s important to use credit responsibly. A good credit history and score can make all the difference when it comes time to purchasing a home, buying a car, or paying for college, and ultimately achieve your financial goals.

Credit Review Program 

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