Questions? We’ve Got Answers

Yes, your deposits at First Harvest Credit Union are insured up to $500,000. This exceptional level of coverage is attained through a combination of federal insurance provided by the National Credit Union Share Insurance Fund (NCUSIF) and, private insurance through the Excess Share Insurance (ESI) Corporation, made available to First Harvest Credit Union members at no additional cost.

A Primary Savings (or Share) Account is the first step toward accessing our personalized checking accounts, competitive loans and savings rates, and other financial solutions designed to support your unique goals. When you open a Primary Savings Account, you become a member-owner along with all of our other members. It doesn’t matter if you have $5.00 or $500,000 in your account – each member has an equal ownership regardless of the size of your deposit.

Our Educator’s Club Savings Account* is available to school employees to help prepare for the upcoming summer break!

Account funds are released on the first of July each year and are transferred to a primary savings or checking account.

• Earn more on your funds with no monthly service fees
• Payroll deduction option available to make contributions even easier
• Early withdrawals subject to restriction
  • See your school district’s plan for applicable withdrawal restrictions

* Account restrictions apply. Fees may reduce earnings. Early withdrawal penalties apply. Require $100 minimum balance to earn interest. Subject to a $10 fee for each withdrawal made prior to maturity. Maximum of six (6) transfers and withdrawals allowed. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. For complete account details, review our Truth In Savings Disclosure.

Our Vacation Club Savings Account* is available for members looking to set funds aside year-round to prepare for an upcoming vacation! 

Account funds are released on the first of the month, 12 months after the account’s open date, and are transferred to a primary savings or checking account.

• 12-month savings program personalized to your vacation savings goal
• Set aside funds year-round in amounts of your choosing
• Set up payroll deductions to make contributions even easier
• Earn more on your funds with no monthly service fees

*Account restrictions apply. Fees may reduce earnings. Early withdrawal penalties apply. Subject to a 10% penalty fee if withdrawn prior to maturity. Minimum withdrawal amount is $250. Review our Truth-In-Savings Disclosure at FirstHarvestCU.com/Disclosures for details. Membership restrictions apply. Federally Insured by NCUA. Additional deposit coverage up to $250,000 is provided by Excess Share Insurance. For complete account details, review our Truth In Savings Disclosure.

Withdrawals can generally begin without penalty at age 59½. Withdrawals before that age may be subject to taxes and penalties.

Eligibility is based on income limits set by the IRS. Our team can help you understand current requirements.

No. Roth IRAs do not require minimum distributions during the owner’s lifetime.

There are advantages to both Traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

• No minimum contribution requirement
• Earned income required in order to make contributions
• Contributions are tax deductible on state and federal income tax*
• Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
• Withdrawals can begin at age 59½
• Early withdrawals subject to penalty**
• Mandatory withdrawals begin at age 73

Roth IRA

• Income limits to be eligible to open Roth IRA***
• Must receive compensation in order to make contributions
• Contributions are NOT tax deductible
• Earnings are 100% tax free at withdrawal*
• Principal contributions can be withdrawn without penalty*
• Withdrawals can begin at age 59½
• Early withdrawals on subject to penalty**
• No mandatory distribution age
• No age limit on making contributions as long as you have earned income

*Consult a tax advisor.
**Certain exceptions apply, such as healthcare, purchasing first home, etc.
***Subject to some minimal conditions. Consult a tax advisor.

At First Harvest, we offer members flexible terms for new purchases up to 96 months and used purchases up to 84 months.

In most cases, a down payment is not required when financing a vehicle. However, making a down payment can offer significant benefits, such as:

• Lower Interest Costs: By reducing the amount you borrow, you’ll pay less interest over the life of the loan.
• Smaller Monthly Payments: A down payment decreases your principal balance, which can make your monthly payments more affordable.
• Improved Loan Terms: Lenders often view down payments as a sign of financial stability, which may help you qualify for better rates.

Even if you choose not to make a down payment, you’ll still need cash on hand for certain upfront costs, such as taxes, tags, and title fees. These fees can be rolled into your loan, but doing so will increase your total loan amount and the interest you pay over time.

Yes. There are no prepayment penalties on First Harvest auto loans. Paying off your loan early may reduce the total interest you pay.

We require proof of insurance as a condition of your First Harvest loan agreement. You can securely submit proof of insurance, check the status of your insurance, view insurance history, and find answers to the most commonly asked insurance questions by visiting our partners at MyLoanInsurance.com.

THE INFORMATION YOU PROVIDE IS SECURE AND PRIVATE AND USED ONLY TO MAINTAIN YOUR INSURANCE COVERAGE WITH US.

Spread the word and cash in when you refer friends and family to First Harvest Credit Union! When they take out an Auto Loan of $15,000 or more, or a Home Equity Loan of $25,000 or more, you both cash in!

How It Works:

First Harvest Credit Union will pay your referral $100 towards their first month’s payment on qualifying loans, and you’ll receive a bonus of $100 that will be deposited into your Savings Account! You’ll be credited 45 days after the referred loan is closed. Each member is limited to two referral bonuses.

Get paid for helping friends and family save. Find your referral today!

Use Promo Code: FF100

Must use promo code FF100 to qualify for offer. Existing members of First Harvest Credit Union are not eligible for the referral bonus if being referred by an existing member for a loan product. Referring member must have an account with First Harvest Credit Union for 3 months or more. Referring member will receive $100 deposited into their savings account. Referred member will receive $100 credited towards their qualifying loan payment. All bonuses tied directly to the application and disbursement of the above mentioned titled loans are dependent on and subject to credit approval. Should either party not receive a bonus, it may be that the referred member’s application may have been denied or that member did not accept the conditional approval terms. Accounts must be in good standing in order to receive the referral bonus or the first month’s payment. This offer may be canceled or withdrawn at any time. Limit of two bonuses per member. Bonus may be taxable as interest income and reported on IRS Form 1099-INT.  Consult your tax advisor.

Our members may qualify for discounts on Auto Insurance through the TruStage™ Auto Insurance Program. You could save big, and it could be simple to switch carriers—without losing any money.

TruStage offers a powerful mix of savings and popular, member-friendly benefits:

• Credit union members could save hundreds*
• Nationally recognized companies
• Friendly, 24/7 service—even on holidays
• Discounts for multiple vehicles, good driving, and more**
• Mobile app for easy claims

It’s simple to get a free quote today. Don’t wait to see how much you could save!

*Savings validated by survey of participating new customers who switched to a Liberty Mutual policy between 10/2021 and 09/2022 with self-reported comparable coverage from their prior carrier. Savings may vary.

** Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP Plus may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss and can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need.

GAP is not insurance; it is an optional debt cancellation product. GAP will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP Fee to the amount financed under your contract will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state-chartered credit unions in FL, GA, IA, IN, UT, VT, and WI may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you purchase a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state-chartered credit unions in CO, MO or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

Copyright & Unique ID:

© TruStage

GAP-3415672.3-0124-0226

With Mechanical Repair Coverage you can enjoy many valuable benefits, among which are:

• Substitute transportation: up to $50 per day up to a maximum of 10 days, available on the first day of coverage. Options for traditional rental car or rideshare are available.
• 24-emergency roadside assistance: up to $125 per occurrence, includes towing, battery jumpstart, fluid delivery, flat tire assistance, lock-out service, and extracting your vehicle from an inaccessible area within 50 feet of a paved road or highway.
• No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair.

Help protect yourself from unexpected costly covered repairs –find out what Mechanical Repair Coverage plan is right for you. To learn more, call us at 800.582-7640 to schedule an appointment — or stop by any branch— to speak to one of our experienced member service representatives in person.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.

Copyright & Unique ID:

© TruStage

MRC-3415612.4-0324-0426

We offer debt protection in the event of an accident. Debt protection could help your family’s financial situation against a variety of covered life events:

• Involuntary Unemployment
• Disability
• Death

Loan amounts vary based on your credit profile, income, and ability to repay. Our loan specialists can help you understand what options may be available to you.

No, there are no application fees when applying for one of our personal loans. There are also no prepayment penalties on our personal loans.

Certificate Secured Loans: No credit report necessary. The loan is a balloon note, with Payment in full due on the maturity date of the certificate.

• Minimum Loan: $500
• Interest Rate: Less than one (1) month – 24 months – 4.00% over current dividend rate being earned on a certificate
  • 25-60 months – 5.00% over current dividend rate being earned on a certificate
• Terms: Loan is only for the duration of the certificate.

Secured Loans: No Credit report necessary. Members may borrow up to 90% of the amount held as collateral in a savings account. Excluded are Holiday and Vacation Club Accounts and IRAs.

• Minimum Loan: $500
• Terms:
  • 6-24 months – 4.00% over current dividend rate being earned
  • 25-144 months – 5.00% over current dividend rate being earned
  • Refer to Dividend Rate Table and use Savings Account balance (not the loan balance) to determine correct AP.

Our Loan Skip-A-Pay option is available to members with loans that meet the guidelines below. Other eligibility restrictions apply. Please contact us for complete details.

• Your loan must be either an Auto or Signature Loan with terms less than 66 months.
• Credit Cards, Home Equity Loans, Home Equity Line of Credit, and First Mortgages are not eligible.
• Member Account must be in good standing.
• The loan to be skipped cannot be more than 30 days past due.
• New loans must have at least six months of consecutive payments made on time to be eligible.
• Only two skips per loan per rolling 12-month period (maximum of six for the life of the loan) are allowed.
• Loans that are on our Summer Skip Repayment schedule are exempt from the Skip-A-Pay program.

Our Skip-A-Pay Program charges a small processing fee of $35 to skip loans with balances less than $50,000 and $50 for all other loan balances.

If you hold multiple eligible loans and wish to skip payments on more than one of them, the processing fee applies to each loan. Your finance charges will also continue to accrue during the month skipped.

Complete our Skip-A-Pay loan application and return it to First Harvest Credit Union at least two business days prior to your loan payment due date. All parties on the loan must sign the application form.

First Harvest reserves the right to determine if prior or subsequent actions may disqualify the loan.

• Any skipped payment will cause the loan to extend beyond the original maturity date, which may change the total amount and schedule of repayments. All other terms and conditions of the loan will remain unchanged.
• GAP Insurance coverage (on auto loans if applicable) will not extend beyond the original maturity date of the loan.
• The fee is due and payable at the time of the request. With your authorization, the fee may be transferred from your savings or checking account here at First Harvest.
• Requests must be made at least two business days before the due date of the loan.
• If a payment is due weekly, four consecutive payments will be skipped. If a payment is due biweekly or semimonthly, two consecutive payments will be skipped. If payments are due monthly, one monthly payment will be skipped.
• Maximum of six skips over the life of the loan.

First Harvest reserves the right to determine if prior or subsequent actions may disqualify the loan.

Fixed-rate mortgages offer rate and payment security because rates and payments remain the same. This makes budgeting easier because you know your mortgage interest rate will not change, regardless of rate increases and changes in the economy.

Adjustable-rate mortgages, or ARMs, typically feature lower rates and payments early on in the loan term. Though rates tend to start lower with an adjustable-rate mortgage compared to a fixed-rate mortgage, it is important to remember that your rate will change down the line and will impact your mortgage payment amount. There are advantages and disadvantages to both, so discuss the right option for your budget with our mortgage experts.

In most cases, your monthly mortgage payments will include other expenses, like interest, property taxes, and homeowner’s insurance, in addition to the amount being paid toward your principal balance.

Your First Harvest Mortgage Loan payments should be made directly to our loan servicing partner, Midwest Loan Services. Access Midwest’s robust servicing platform today to make online payments or set up automatic recurring payments.

Midwest’s online platform offers members the ability to complete common account inquiries at your convenience. Once logged in, members can explore the Mortgage Servicing Center to self-serve on many different needs, such as:

• Access escrow information
• View tax documents and mortgage statements
• Make or edit payments
• Gain insight on your home’s equity and understand how to grow it
• & much more!

Register Today

Members can also contact Midwest Loan Services directly with questions relating to your mortgage at 800.582.7640.

You have options when it comes to mortgages. We offer many programs, including a First Time Homebuyers program. Speak to a member of our mortgage team to find the program that fits your needs.

Some of the common documents you may be asked to provide are:

• Pay stubs from the past thirty days
• A copy of your current government-issued ID (Driver’s License, Passport, etc.)
• W-2 statements from the past two years
• Bank statements of the most recent two months, all pages.
• 401k, IRA, or Mutual Fund accounts showing the most recent transaction summary
• A copy of any stocks or certificates of deposit documentation
• A copy of purchase and sales agreements
• If you are currently renting, provide the contact information of your landlord if applicable
• If you are refinancing, copies of your mortgage statement, hazard insurance policy, and most recent tax bill
• A letter explaining any known credit problems or changes in income

If you are self-employed, paid by commission, or own real estate used for rental purposes, you will need to provide:

• Two years signed personal federal income tax returns, including all schedules
• If self-employed through a corporation, the last two years’ corporate returns as well as a year-to-date profit and loss statement and balance sheet

If you are retired, you will need to produce one of the following:

• Two years of signed personal federal income tax returns, including all schedules
• Most recent 1099 forms if applicable
• Most recent pension or social security awards letter
• 401(k) or retirement account statement if taking distributions

Home Insurance*

Members may qualify for potential savings on home insurance with our partners at TruStage. The TruStage™ Home Insurance Program helps you protect your house — and everything in it — with coverage underwritten by Liberty Mutual Insurance®.

Debt Protection**
Financial protection for the unexpected – protect the ones that matter most. Debt Protection could help your family’s financial situation against a variety of covered life events:

• Involuntary Unemployment
• Disability
• Death

*Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. ©TruStage
AUT-2948972.3

**Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.
Copyright & Unique ID:
© TruStage
DP-3415586.2-1123-1225

Spread the word and cash in when you refer friends and family to First Harvest Credit Union! When they take out an Auto Loan of $15,000 or more, or a Home Equity Loan of $25,000 or more, you both cash in!

How It Works:
First Harvest Credit Union will pay your referral $100 towards their first month’s payment on qualifying loans, and you’ll receive a bonus of $100 that will be deposited into your Savings Account! You’ll be credited 45 days after the referred loan is closed. Each member is limited to two referral bonuses.

Get paid for helping friends and family save. Find your referral today!

Use Promo Code: FF100

Must use promo code FF100 to qualify for offer. Existing members of First Harvest Credit Union are not eligible for the referral bonus if being referred by an existing member for a loan product. Referring member must have an account with First Harvest Credit Union for 3 months or more. Referring member will receive $100 deposited into their savings account. Referred member will receive $100 credited towards their qualifying loan payment. All bonuses tied directly to the application and disbursement of the above mentioned titled loans are dependent on and subject to credit approval. Should either party not receive a bonus, it may be that the referred member’s application may have been denied or that member did not accept the conditional approval terms. Accounts must be in good standing in order to receive the referral bonus or the first month’s payment. This offer may be canceled or withdrawn at any time. Limit of two bonuses per member. Bonus may be taxable as interest income and reported on IRS Form 1099-INT. Consult your tax advisor.

We know you’re on the go — so use mobile banking to manage your accounts with a few taps to your screen. Simply use your web browser or download our free² app to check your balance, transfer funds, deposit checks, and more.

Mobile Banking

• Fast and secure service available to members enrolled in online banking
  • Configure your personalized mobile app settings through online banking by going to the “Accounts” tab to get started
• Manage a number of banking tasks from wherever you are:
  • Obtain balances
  • Transfer funds from one account to another
  • View transaction history
  • Pay bills
• Mobile Check Deposit³ allows you to deposit your checks via your mobile device
• Available for iPhone^® and Android^™ devices
• Save yourself time; fewer trips to a branch are necessary

Use your mobile browser — or download our free app now for your iPhone or Android device!

Mobile Deposit

Deposit checks with your mobile device to your First Harvest account— anytime.

• Available within our free mobile app for iPhone or Android
• Save time and avoid unnecessary trips to a branch

Important: All checks deposited through the mobile app must be endorsed and have “For Mobile Deposit Only” written on the back or they will be rejected.

Tips for Using Mobile Deposit

• Before logging in to the mobile deposit app, close all other apps running in the background on your mobile phone.
• Sign/endorse the back of your check, and label it “For Mobile Deposit Only”
• When prompted for the amount, carefully enter the amount to be deposited to ensure it matches the amount written on your check.
• Flatten any folded or crumpled checks before taking your photos.
• Keep the check within the viewfinder on the camera screen when capturing your photos. Avoid capturing as much of the areas surrounding the check as possible.
• Take the photos of your check in a well-lit area, against a solid dark background, and avoid any shadows across the check.
• Keep your phone flat and steady above the check when taking your photos.
• Make sure the entire check image, including all four corners, is visible and in focus before submitting your deposit.
• The MICR line (numbers on the bottom of your check) is readable.

Reduce paper waste while maximizing convenience—free eStatements are a total win-win. They provide the same information as a paper statement but are safer. Make the switch and enroll today!

• Offers a fast, free, and easy alternative to paper statements
• Saves paper and the environment
• Reduces chances of fraud and identity theft
• Simplifies recordkeeping and more easily access past statements
• Provides download options for permanent storage or print if needed
• Sends email notice when new eStatement is ready

How to Enroll:

1. Sign in to your online banking account.
2. Select one of your accounts.
3. Click on Online Statements.
4. Navigate to Edit User Settings tab and select User Settings.
5. Choose your preferred delivery options and select Submit.

Save time and resources when you manage your First Harvest Credit Union account with Automatic Transfers and Direct Deposit. – These are the fastest and safest ways to deposit funds into your accounts. The advantages of Direct Deposit include:

• More reliable than paper checks
• Get your money faster
• Never lose a check
• Set up automatic transfers to help you save more each pay period
• Automatically pay bills on time without fear of overdraft by setting up bill pay, timed after an expected direct deposit

Simply provide your employer, or the organization that is issuing your funds, with the following information:

Institution Name:
First Harvest Credit Union

Address:
1617 Hurffville Road, Deptford, NJ 08096

Routing/ABA Number:
236077755

Your Account Number:
Members can view their full account number under the “Account Information” link within Online Banking.

Helpful Tips:

• Be sure to confirm the name used on your Direct Deposit request matches the name used on your account. Mismatched information may prevent your funds from being deposited into your account.
• Please verify your account number and the corresponding account type (savings, checking, etc.) you wish to have your refund deposited into are correct.

At First Harvest Credit Union, your financial safety starts with you. While we safeguard our systems with advanced technology, the most powerful defense is an informed and alert member. Check out our blog posts for additional and timely articles about financial safety and more!

Read more about protecting yourself with these cybersecurity tips.

We strongly encourage you to ensure your contact information on file at First Harvest is up-to-date, so you are able to receive Fraud Alert messages to verify legitimate transactions in a timely manner, and to avoid declined transactions.

Members can log into Online Banking to update their contact information to ensure you receive timely fraud alerts.

Yes! Business deposits are insured up to $500,000, protected by NCUSIF coverage and strengthened with additional private insurance through Excess Share Insurance (ESI) Corporation, all at no extra cost to you. Learn more about our deposit insurance.

A First Harvest Mastercard^® Debit Card comes with amazing benefits – at no additional costs to you! Below are just a few key benefits you’ll enjoy as a First Harvest Mastercard^® Debit Cardholder.

• Link your First Harvest Mastercard^® to various Digital Wallet providers including Apple Pay, Google Pay, Samsung Pay and more
• Activate your First Harvest Debit Card Round Up feature and automatically save on your everyday spending!
• Stay up to date on your First Harvest debit or credit card activity by setting up transaction alerts within our online banking controls! With transaction alerts, you’ll be notified each time you use your debit or credit card and have the ability to lock your card if you lose or misplace it!
• Gain peace-of-mind with Mastercard’s Zero Liability Policy and make purchases online and in-store with confidence. Some conditions and exceptions apply. For full details, visit Mastercard’s Website.
• Chip Technology improves the global usability and security of cards, as more merchants at home and abroad switch to advanced chip card terminals.
• Contactless Technology allows Mastercard^® cardholders to breeze through checkout at millions of places. Look for the contactless symbol anywhere they shop.
• Mastercard^® ID Theft Protection™ provides cardholders with access to a number of Identity Theft resolution services, should they believe they are a victim of identity theft.

Strengthen your organization’s financial foundation while keeping your funds easily accessible. Our Non‑Profit Money Market account delivers competitive earnings, flexible access, and the secure protection your mission deserves.

Grow Your Savings with Purpose:

• Earn competitive rates with dividends compounded monthly—helping your organization build long‑term financial stability.
• Open your account with a $500 minimum deposit.

Enjoy flexible access designed to support your operation:

• Unlimited in‑person withdrawals
• Up to 6 monthly transactions by pre‑authorized automatic transfer, telephone, checks, drafts, or online
• Deposit anytime or set up direct deposit for convenient funding
• Mastercard^® Debit Card convenience with enhanced, business‑centric benefits.

Skip the Monthly Fees:

• Maintain a $1,000 minimum daily balance and enjoy your account with no monthly service fee
• A $10 monthly service fee applies when the minimum daily balance requirement is not met.
• There’s no monthly fees and no minimum daily balance for 501c non-profit organizations.

Your deposits are insured up to $500,000, protected by NCUSIF coverage and strengthened with additional private insurance through Excess Share Insurance (ESI) Corporation, all at no extra cost to you.

Looking to grow your business? Obtain the additional funds you need for your business to succeed with a secured commercial equity line of credit. This allows you to tap into the equity of your eligible commercial property, using the property as collateral. These lines of credit feature:

• Financial flexibility for purchases
• Covers cash flow needs
• Competitive rates
• Multiple payback term options
• No early term penalties
• Construction Loans

Have a new project in mind? Or need to remodel your current facility? Ideal for individuals, developers and contractors, our construction loans include the following benefits:

• Multiple disbursements
• Simple access to funds
• Add a level financing option
• Land acquisition financing