A HELOC does not have a grace period. Payments must be received by the first of each month.

Yes, we partner with a company called Elavon to enable members with business accounts to accept various forms of credit card and gift card payment. Please contact us or visit one of our branches to learn more.

You do not have to be a current member to apply for a credit card. If approved, you will be asked to establish a membership by opening a $5 VIP Savings account before the card is ordered. This account will need to remain open throughout the time you have the credit card.