Overdraft Line of Credit

With an Overdraft Line of Credit, your checking account is covered. It protects you from overdrafts and from having transactions denied for non-sufficient funds. Plus, it's also an easy and convenient line of credit when you need quick access to cash.

  • Automatic protection with no per-item overdraft fees
  • Access cash when you need it for large or unexpected expenses
  • Line amounts starting at $500

Rates as of Tuesday, December 24, 2019

Product DescriptionInterest RateAnnual Percentage RateApply
Overdraft Line of Credit

An overdraft line of credit is subject to credit approval.  Annual membership fee of $25.00.  Fee waived every year that the customer retains a qualified checking account or is an employee.  Qualifying checking accounts include: Advantage Checking, Advantage Plus Checking, Premier Advantage Checking, and Wealth Advantage Checking.  The annual fee will be billed on the first statement and each year thereafter.

18.00% rate requires a minimum credit score of 680.  Rates are based on creditworthiness, so your rate may differ.  You will be charged interest from the date you access the credit line.  Monthly payments are equal to $10 or 5% of the Credit Line advance as shown on your loan statement, whichever is greater, plus the finance charge calculated for the statement period.  Other terms and rates may be available.  Rates subject to change.  Please ask for more details. 

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