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Need a personal loan or want to transfer existing credit card balances? You've come to the right place!

for a comparison of advantages, please call 937-223-3333 x218 to speak to a Visa specialist
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Visa Credit Card

We offer three great Visa cards: Classic, Gold, and Platinum.  One is bound to be right for you! 

All our Visa Cards offer these great advantages:

  • Low, fixed rate
  • No annual fee
  • No cash advance fee
  • No penalty rate
  • 25-day grace period for purchases
  • No finance charge for new purchases (if new balance is paid in full by due date, does not apply to cash advances)
  • One low rate for all transactions 
  • The card is accepted worldwide
  • Cash advances are available at ATMs that display the Visa logo

Additional Advantages:

(scroll down to bottom to view table of advantages on mobile)


Click here to apply for one of our Visa Credit Cards online now or call our Lending Department at 800-543-2283 option 4.


Annual Percentage Rate for Purchases:  12.90% - 18.00% (Classic); 10.90% (Gold); 8.90% (Platinum)
Grace period for repayment of purchases:  25 days after the statement date
Method of computing balance for purchases:  The Daily Principal Balance is determined for each day by adding to the Previous Balance, the principal balance of all new purchases and cash advances from the previous day and subtracting each day all payments as received and credits as posted.  The Daily Principal Balance for each day is then totaled, and divided by the number of days in the Billing Cycle.

See our fee schedulefor associated fees.

​​Signature Loan

Signature Loans are most often used for personal expenses or purchases, such as a new appliance or a luxury item.  However, they can be made for any legitimate purpose. No collateral is required.  Instead, the member's signature serves as a "good faith" agreement to repay the loan.

For current rates and terms,
 click here.

Click here to apply for a Signature Loan online or call our Lending Department at 800-543-2283 option 4.

Revolving Line of Credit

A Revolving Line-of-Credit (LOC) Loan allows you to borrow whatever amount of money you need at the time, up to your available credit limit.  As your monthly balance decreases, your available credit increases.

LOC Loans are convenient for two reasons:

  • Once the initial application has been approved, you can use the loan as often as you wish without having to re-apply each time.
  • The payment stays the same from month to month.

Also, because of variations in interest calculations, LOC loans usually involve lower payments than other open lines of credit, including credit cards.

Two types of LOC Loans are available:

  • The Revolving Credit Account (RCA), which works as described above.
  • The Checking Line of Credit, which is tied to your Checking Account.  It posts a loan to your Checking Account whenever you write a check for an amount greater than your account balance, so it functions as a form of overdraft protection.  Loan advances are made in $50 increments.

For more information about Revolving Line of Credit accounts, call our Lending Department at 800-543-2283 option 4.

For current rates on LOC loans,
click here orapply here now!

Looking for the Visa Payment Coupon? Click here.

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