Products & Services

Loans

Autos, Boats, RVs, Cycles, ATVs

  • Competitive rates and flexible terms
  • Guaranteed Auto Protection (GAP)

Personal Loans

  • Personal unsecured loans financed up to 48 months
  • Personal Line of Credit loans that may also be used as overdraft protection for a checking account

Mortgages

  • Fixed Rate First and Second Mortgages
  • Flexible terms up to 20 years
Apply for a loan

Savings

Share account

  • Join with a minimum deposit of $ 5.00
  • Required account to establish membership

Club Accounts

  • Christmas
  • Vacation
  • Other special purpose

Amazing Savings

  • Hi Yield account
  • $ 2,000.00 minimum balance
  • $ 100.00 minimum deposit
  • $ 500.00 minimum withdrawal

IRA

  • Traditional
  • Education
  • Roth
  • Roth Conversion

Share/IRA Certificates

  • Flexible terms ranging from 3 months up to 60 months
  • Competitive Rates

Youth

  • Scottie Savers, ages 0 - 12
  • SmarTeen, ages 13 - 18

Fifty Plus

  • 2 free boxes of checks per year
  • No overdraft transfer fees
  • No credit union ATM/Debit withdrawal fees

Checking

Fee Schedule

Courtesy Pay Program

  • Account must be open and in good standing for 90 days
  • Allows checks and ACH items to clear your account up to a negative balance of $ 520.00
  • Account must be brought into a positive balance within 30 days after first becoming negative

Card Services

VISA Gift Cards Are Perfect For Any Occasion

VISA Gift Card

A VISA Gift Card is a prepaid card that is accepted at millions of locations all over the world. You simply specify the amount you want to spend, from $10 to $500. There are numerous designs to choose from, covering all gift giving occasions. There is a $2.95 charge for each VISA Gift Card purchased. The lucky recipient can buy whatever they want, so it's fun for them and easy for you!

VISA credit cards

  • Classic cards up to $ 5,000.00 limit
  • Platinum cards up to $ 10,000.00 limit
  • Added convenience of being able to make payments by phone or automatically from members accounts

ATM cards

  • 3 ATM withdrawals per day up to $ 500.00
  • 5 Transactions per day, including ATM and Point of Sale
  • CO-OP Network ATM machines are surcharge free and are located at many area locations

Mastermoney Debit Cards

  • Five retail transactions per day up to $ 1,000.00
  • ATM daily withdrawal limits apply

Convenience Services

  • On site ATM cash withdrawal machine
  • Direct Deposit/Payroll Deduction
  • Travelers Checks
  • Money Orders
  • Free Notary service
  • Discount tickets to Theaters and Amusement Parks
  • Kent Optical, Rx Optical, AAA discounts