1 APR=Annual Percentage Rate. All rates will be determined by your credit history. All loans are subject to approval. Rates, terms and conditions are subject to change. Must have an open checking account and all account holders must be included in the application. Availability of Funds: Each advance is subject to availability of unused balance of credit line. Must advance in $100 increments. Repayment: Monthly payment of 5% of outstanding balance or minimum of $25, whichever is greater.
2The credit union will pay overdrafts at our discretion and we do not guarantee that we will always authorize and pay any type of transaction. When we honor overdraft items, you must deposit funds immediately, but no more than 30 days from the date of the notice sent to you. The maximum dollar amount of overdrafts the credit union will cover for each member is $500, plus the $28 Overdraft Protection/Privilege Fee. Any fees imposed will reduce the maximum limit. There is a limit of seven (7) Overdraft Protection/Privilege Fees per day that we will charge to your account. While our payment of overdrafts is discretionary, we will not pay an overdraft if, but not limited to, when you are not in good standing with the credit union, the checking account hasn't been opened for a minimum of 60 days, a loan or other obligation to the credit union is past due or your account is subject to any legal or administrative order or levy.
