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Christmas Club /Vacation Club Accounts
Great way to help you save for the holidays and family vacation, while earning dividends.
The funds will be deposited into your checking account or a check will be mailed to the address on file. These transaction will be done in the mid of May for Vacation Clubs and in the mid of October for Christmas Clubs.
Home Equity Loans
Your investment in your home is worth the money in your pocket! Our home equity loans are designed to give you borrowing power for almost any type of major or minor purchase. Vacations, college tuition, a new car, home improvements, are just some of the ways a home equity loan can help you.
We offer convenient, flexible terms and competitive interest rates to include fixed rate home equities and equity lines of credit. And, unlike many loans, the interest you pay on a home equity loan may be deductible from your income taxes. Consult with your tax advisor.
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IRA Account
A tax deferred IRA can help you save money for your retirement which will take you into the future safety and securely. For your convenience deposits can be made by payroll deductions, in person, or by direct transfers.
- Competitive dividend rate
- Dividends paid quarterly
- Quarterly statements
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Visa
- Credit lines beginning at $500.00
- 25-day grace period on purchases
- Annual fee waived
- 8.88% Balance Transfer Special for one year
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Share Draft Checking Account
- Interest Bearing.
- No monthly fee if $500.00 maintained the entire month.
- $5.00 monthly fee if under $500.00.
- Duplicate check system, members do not receive checks back.
- Net check deposit, no fee for your check orders.
- $10.00 minimum balance on all checking accounts.
- Members allowed five automatic or telephone transfers per month.
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Totally Free Share Draft Checking Account
- Non-Interest Bearing.
- No minimum balance required.
- No monthly fee.
- Duplicate check system.
- Members allowed five automatic or telephone transfers per month.
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Business Checking Account
- $5.00 monthly fee
- $.20 per check written
- $10.00 minimum balance
- No deposit fees
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Audio Response – (401) 463-5245
Our automated teller is available 24 hours a day, 7 days a week. Check balances, see if checks have cleared, verify deposits, transfer funds, make loan payments and request a withdrawal check to be sent.
- From a touch-tone phone, call the number above
- Enter your account number
- Enter your four-digit personal ID number
- Simply follow the instructions and menu to complete your transaction
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Direct Deposit and Payroll Deduction
With Automatic payroll deposits, you enjoy the convenience and safety of deposits made on time, each payday. With direct deposit, your whole paycheck, social security, retirement, or military check is sent to your account automatically. No more missed deposits, or lost or stolen payments. Payroll deduction allows you the ease of repaying your loan quickly and conveniently each payday.
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Loan Services
We take pride in our loan department staff and the service we provide. Our loans are competitive and we offer a variety of loan options that best suit your financial needs.
- First Mortgage
- Second Mortgage
- Home Equity Line of Credit
- Personal Unsecured Loans - signature and co-sign
- New and Used Auto Loans
- Share/Certificate Pledged Loans
- Personal Lines of Credit
- Motorcycle Loans
- Recreational vehicle loans
- Mobile Home Loans (stationary)
- Trailers/Boat Loans
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Other Services
- Free Notary services
- Free Travelers Checks for one
- Money Orders
- Safe Deposit Boxes
- Wire Transfers
- Discount Showcase Movie passes
- Discount Six Flag Passes
- Drive - up window
- Night Depository
- Premium 60 Senior Account
- 5% Discount on Liberty Mutual Auto Insurance
- $1,000 Free Accidental Death and Dismemberment Insurance
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Overdraft Protection
Protect yourself from overdrawing your account by linking your checking account to another checking account, savings account, or a line-of-credit loan. There are several options you may choose from.
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