First Time Borrower Program


  • Age - 18 and over
  • First time borrower
  • Required to complete and pass 3 of the 7 Financial Basics educational classes thru Balance.  Passing is acheiving 80% or higher.
  • Purchases Over $5,000 require 10% down
  • Minimum requirement is 5% down
  • Maximum Payment will not exceed 15% of the monthly income
  • Maximum Debt to income ratio shall not exceed 37%
  • Can be refinanced in 12 months if credit score allows
  • Programs will be designated on the new web site for easy access
  • A used car purchase check list will be made available to all applicants

Please follow the instructions below to gain access to our educational website to complete your modules:

1) Click here to go to Balance
2) Click on Register in the upper right. It only takes a quick minute to get registered. 
3) Once registration is complete, click on Programs
4) Once you are in Programs, find BalanceTrack and click on Learn More
5) The required modules will appear under Financial Basics

6) Chose 3 of the 7 modules mentioned to complete and pass.
6) Feel free to check out the other products our educational website has to offer.

Three of the seven BalanceTrack Financial Basics Modules must be completed:

BalanceTrack: High-Cost Financial Services
BalanceTrack: The Psychology Of Spending
BalanceTrack: Drive Away Happy
BalanceTrack: Credit Matters
BalanceTrack: The World Of Credit Reports
BalanceTrack:  Money Management
BalanceTrack:  Checking Account Management

Stations will be made available to potential borrowers to complete the program onsite if necessary


Rates Effective: 4/23/2019
Auto Loan 2.50%* APR
Home Equity 5-year 4.625% APR
Home Equity 7-year 4.875% APR
Share Draft Line of Credit 13.9%* APR
*With approved credit. Certain restrictions apply. Rates subject to change. Rates are stated As Low As.


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