If our time is spent aiding our customers, then our time has been well spent.

First for You. From your first savings
account to your first loan. 
Check your account balances 24/7 from any computer with FirstNet (Internet Banking).  

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3 Steps to Smarter Credit Decisions

Step 1 ~ Understand Your Credit Needs and Ability to Borrow – Before

  • List your credit needs and wants and know the difference between the two.
  • Know the basics: your credit history, your ability to make payments, and whether you can borrow using collateral, such as the equity in your home.
  • If you think you need to establish or rebuild your credit, talk to us before you apply. Don’t give up! Make a plan to get your credit in shape.
  • Set up a budget and live by it. Helpful online tools are getting better and easier to use.

Step 2 ~ Get Help Choosing the Right Credit Solution – Now

  • Get information about the wide variety of credit products – from personal loans to mortgages to lines of credit to credit cards – that may fit your situation. Ask lots of questions and make sure you understand the answers.
  • Consider different credit features, and all their pros and cons. For example, do you prefer to receive money as you need it from a credit line or a lump sum through a loan?
  • In place of signing up for new credit now, setting up a savings plan or an investment plan could be just what you need.

Step 3 ~ Manage and Protect Your Credit – for the Rest of Your Life

  • Make it as simple as possible to manage and track your expenses and payments to save you time – and avoid expensive late fees that can also hurt your credit standing. Lots of people who use online banking love it.
  • Defend yourself against unauthorized use of your credit accounts and your private information. Know what you should or shouldn’t do.

If you’re trying to improve your credit situation, please don’t be tempted to over-extend by loading up on additional credit. Think about the future. Keep living by that budget. Consider your access to emergency funds – through credit or rainy-day savings. Develop and follow a plan to build your borrowing capacity should the need arise.

Have Questions?

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Mortgage Center

Applying online is as easy as 1-2-3

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Trust Solutions

Preparing for your financial future.  Trusts and Investment services.

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