REAL Fees: No application fee, no points, no appraisal, and no title fee. The annual fee is $20.

Use this chart to find out how much REAL money may be available to you.

Estimate the market value of your home	$__________
Multiply the market value by 80%	x .80
Balance	$__________
Subtract your current mortgage loan balance	$__________
Difference is the amount that may be available	$__________

Cash Reserve
Respond to emergency situations, periods of tight cash flow and unplanned spending without the expense and potential embarrassment of overdrawing your checking account.

Cash Reserve activates only when checks clearing exceed your checking account balance. Each month your checking account statement will indicate your reserve balance and the minimum payment due, if any. You can repay the amount in full or in monthly payments of $25 or 5.0% of the outstanding balance, whichever is greater. A late fee of $10.00 or 5.0% of the payment, whichever is greater, will be assessed if the minimum payment is not received by the established payment day.

Personal Advantage Line
A credit line geared to your individual needs and lifestyle that's there when you need it most. The Personal Advantage Line is a smart financial tool that allows you to take care of your individual needs, from debt consolidation to college tuition to home improvement. The Personal Advantage Line is an unsecured line of credit – no collateral required – that's as easy to use as writing a check.

Repay the amount in full or in monthly payments of $25 or 3.5% of the outstanding balance, whichever is greater. A late fee of $10.00 or 5.0% of the payment, whichever is greater, will be assessed if the minimum payment is not received by the established payment date.

Auto Loans
When you find the car of dreams, visit us for a deal of a lifetime. We offer:

• New and used car loans
  
• Competitive rates
  
• Terms up to 60 months
  
• Fees: $40 documentation