Squash Bills Into One Payment
Bill Buster simplifies your life and saves you a ton of money by consolidating your high-cost debt into one affordable monthly payment.
You can even use Bill Buster to manage upcoming tax costs. Borrow up to $30,000 with terms to 72 months. There’s no fee, so click here to let Bill Buster tackle your bills.
Remember that our Home Equity Line of Credit can also be an affordable way to consolidation bills.
Loans subject to approval. Rates, terms and conditions subject to change and vary based on creditworthiness and other factors. Maximum unsecured balance is $30,000. Ask for details.
Get Devices You Need
Our Technology Loan helps you affordably get the devices you need to succeed. We offer up to $2,500 at a rate as low as 1% APR with 24 months to repay.
To get this amazing rate, all you need is our free checking account and a few other easy requirements. Otherwise, the rate is an outstanding 2.5% APR. Click for details.
Ditch Your Dealer Loan
If your auto loan is elsewhere, you’re likely paying more than you have to. Chances are we can beat your existing dealer or bank financing. Let us see if we can reduce their rate or shrink your monthly payment.
We make it easy and will help you transfer the loan to us. Just a few minutes may save you hundreds. Contact us today to see how much we can save you.
• Reduce existing dealer or bank auto loan rate
• Terms to 72 months for the lowest payments
• NO payments for THREE months
• Discounted Mechanical Breakdown and Debt Protection
Loans subject to approval. Minimum floor rate is 5% APR. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Additional services such as Debt Protection, GAP, and Mechanical Breakdown Protection are optional. Enrollment in these services does not determine loan approval.
Our Card Beats The Rest
The national average credit card rate is about 24% and just goes up. We dare you to compare our Platinum Visa Credit Card and its amazing rate as low as 8.5% APR to whatever other cards you may use.
When you see how much your other cards are charging, you’ll want to take advantage of our great rate by moving balances. There’s NO Balance Transfer Fee and we make it easy to do. Save hundreds in interest costs by simply switching to our card. Click for details.
Improve Your Finances In 2025
Controlling your money is the only way to make sure you meet your needs and achieve your goals. Improve your finances with these steps:
Set a realistic monthly budget — Start with your take home income, then list your expenses, and savings for retirement and unexpected expenses. Apps make it easy to track your spending and income. Many include budgeting tools. Review your budget monthly and adjust as needed.
Build a safety net — Save enough to cover 6 months’ of your monthly expenses so you can weather unexpected events such as a reduction in income, serious illness or damage to your home. To start, set up automatic transfers of $50 to $100 per month.
Target high-cost debt — Credit card debt is usually the biggest threat to your budget. The average card rate is now a shocking 24%. Concentrate on paying off highest-interest balances first. And, transfer balances to our Visa Credit Card as low as 8.5% APR. There is NO transfer fee!
Reduce spending — Review your monthly expenses for unneeded spending. Are there subscriptions that automatically renew that you don’t need? Are you eating out more than you budgeted? Reducing spending will help you meet your financial goals even sooner.
Scholarships For Members
We’re proud to once again offer four $1,000 cash scholarships. Deadline to submit applications is June 19, 2025. We encourage any graduating member enrolling in a two-year or four-year college, or trade school to apply. Share this opportunity with your family too.
Click to apply. Please be ready to upload a current high school transcript, admission letter or proof of enrollment, two letters of recommendation, and a 500-word essay on financial literacy.
Just For School Employees
Our Summer Safeguard Savings Account prepares you for summer break with a generous dividend, currently 6.60% APY. School employees can deposit up to $2,000 per month by payroll deduction or direct deposit from a qualified source. Click for details or to enroll.
Seeking Volunteers For Board
As a not-for-profit financial cooperative our purpose is to serve members, and we do so with the guidance of our volunteer Board of Directors made up of members like you. Credit union board members are dedicated volunteers and are the embodiment of the credit union motto, “People helping people.”
You can nominate other members, including yourself, to run for a position on our Board of Directors. There are two open Director positions for three-year terms. Incumbents are Karen Hemingway and Jeanette Gordon.
If interested in volunteering or nominating a member, click to apply by March 17, 2025. Include qualifications and experience. Submissions will be reviewed by the nominating committee who will contact you.
When To Buy
If you’re looking to refinance or purchase a home, no doubt you’re wondering when mortgage rates will go down. And, if you should buy now, or wait? The best answer is to buy when you can afford to, find the home you love and one that fits your budget. Not to worry, if rates drop later, you’ll have the option to refinance your loan. Fannie Mae expects rates to average 6.4% this year, and 6.1% in 2026.
