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Frequently Asked Questions

Use the search bar below to sort through our library of FAQs to learn more about a specific product, service, or process.

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How long does it take to apply and receive a decision for a HELOC?

It takes about five minutes to apply and you will have an answer within one business day.

Can I pay off a home equity loan or line with another lender using a Direct Federal Home Equity Loan or Line?

Yes. In the application, please select "Refinance Home Loan" as the "Loan Purpose".

Is there a balance transfer fee for credit cards?

There are no balance transfer fees.

Is there a credit card cash advance fee?

There is no cash advance fee.

Is there a credit card over limit fee?

There is no over limit fees.

Is there a credit card annual fee?

There is no annual fee.

Is there a credit card foreign transaction fee?

1% of each transaction in US dollars.

How do the credit card rewards work?

Cash Back rewards applies to purchases posted on your account less credits for returned merchandise. Point cash value of $.01 will be earned for every qualifying dollar. Rewards will be processed annually in November and a check will automatically be mailed to you. Minimum of 5,000 points required for redemption.