Overdraft Line of Credit

Overdraft Line = Peace of Mind

If you're worried you'll overdraft your checking, or want to be covered *just in case*, our Overdraft Line of Credit may be just what you need to bring some added peace of mind.

How does the Overdraft Line work?

The Overdraft Line of Credit is attached to your checking account. When funds are not available to cover a check, debit, or ACH transaction, the Overdraft Line of Credit will automatically advance funds to your Checking Account to cover the amount overdrawn to avoid your payment from being rejected.

It's cheaper than overdraft fees

Plus, the interest you pay on the Overdraft Line of Credit is significantly less than overdraft fees most financial institutions charge. Plus, you can avoid the embarrassment and devastating consequences that can come from bouncing checks or your card being declined.

current RATES    

APR= Annual Percentage Rate. Maximum limit of $1,500. Advance fee is $2.00 per item (no daily cap) for which an advance is made; Over drafts include checks, ACH and debit transactions. The account is overdraft only, thus members may not take advances on this account for other purposes. Current late fees apply same as other consumer loans. We may close accounts for excess usage.