SHARE ACCOUNTS:

• Regular Share (Savings)
  Minimum deposit of $5.00 and this must remain on deposit to maintain membership.  
• Christmas Club
  May start at any time during the year. No minimum balance required. Balance is transferred to Regular Share account the 1st week in October. Early withdrawal fee is $5.00 per occurrence.
• Traditional IRA Account
  No fees. No minimum deposits.
• Share Certificate
  We offer a wide variety of Certificates of Deposits, with varying minimum deposits. See Rates page.
• Share Draft (Checking)
  Share drafts will not be charged the monthly fee and will receive free debit card and Electronic Bill Payment (sign up required) if they maintain an average daily balance for the month of $500.00 or greater. If you maintain an average daily balance of $1000.00 or more the account will earn a monthly dividend and be eligible for one free box of safety style checks. Otherwise the standard monthly fee, debit card fee and electronic bill payment fee will apply. See Fee Schedule. Share Draft Business accounts that maintain a $1000.00 average daily balance a month will also earn a dividend, not incur the aforementioned fees. See fee schedule for Business account fees.
• Money Market
  Minimum balances apply to earn a higher dividend rate.
• Other Club accounts
  There are accounts set up for your special need. No minimum balance, no early withdrawal fee, earns monthly dividends. Dividends are paid monthly. Dividend rates disclosed in rate schedule are for the last paid   dividend period.

LOANS:

• Signature loans and Signature line of credit
  Up to $5000 limit. Payments vary depending on loan amount.
• Auto Loans
  New-Used-Classic-Collectible-Special Interest-Older Vehicles
  Rates change periodically-see loan rate schedule. Limits: In many cases 100% financing is available. GAP coverage available on many models. We do not lend on flood damaged autos and only 50% on reconstructed vehicles.
• Recreational Vehicle
  ATV, Snowmobiles, Motorcycles, Ski Jets, Boats Trailers, Dirt Bikes ETC
• Campers, Motor Homes, Park Models, Fifth Wheels
• Share Secured
  Use your shares on deposit for a quick and easy loan with lower interest rates.
• Visa Credit Card
  Qualifying members will receive letter checks. Letter Checks have a minimum amount to process. A 25 day grace period applies to purchases but not to cash advances and letter check advances. Late payment, over the limit, return check fees to apply. No annual fee or transfer fees apply. See rates for current Visa loan rate.
• Home Equity Line of Credit/ Home Equity Loans
  Home Equity Line of Credit (HELOC) is a variable rate loan based on the prime rate, with future advances available on this open end line of credit. Payments will be adjusted if loan rate is adjusted. A Home Equity Loan is a fixed rate loan and a set payment amount; no future advances are available on this.  Either loan is secured by a second mortgage and a application fee applies. Maximum Loan limits apply. We loan on the primary residence.
• Student and Parent Plus Loans
  We participate with AES/PHEAA (Pennsylvania Higher Education Assistance Agency)
  Loan limits, rates and payments are set by the agency.
• Mortgage Loans
  On primary residence only. See schedule for terms and rates. Some fees apply. Call for more information. See rates for current rates on loans or call the office for more information. Occasionally there may be a special offer, so visit us so you don’t miss the boat.