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Frequently Asked Questions

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What is considered a "new auto" versus a "used auto"?

New Retail Auto:
New Retail Autos are defined as vehicles from the current or previous model year. Also, a vehicle is considered new if it has not been previously titled or has fewer than 7,500 miles (i.e. dealer demonstrators).

Used Retail Auto:
Used Retail Autos are defined as vehicles no more than eight model years removed from the definition of new.

How much can I borrow for my auto loan?

You can borrow 120% of the value of your car (subject to our maximum auto loan limit of $100,000). This allows you to finance the entire purchase price, plus GAP insurance and the sales tax.

What is the HELOC Early Termination fee?

$395 if the line is closed during the first two years.

Do you offer HSAs?

We currently do not offer Health Savings Accounts.

View our banking account options >

What is "ACH"?

An ACH, or Automated Clearing House, transaction is an electronic transaction that allows merchants to access your account. For example, payroll direct deposits are ACH deposits. Additionally, things like gym membership dues can be set up as ACH withdrawals.

Where do I access Bill Pay?

You can access Bill Pay by clicking here or you can access Bill Pay from our Mobile App. Bill Pay can be found by selecting More > Transfer & Pay > Bill Pay.

I authorized a check over the phone, why do I not see the check copy?

In some cases merchants do not submit the physical check for payment.  The check is converted into an electronic check (eCheck).  This is also known as a digital version of a paper check (Image replacement Document).  eChecks use the Automatic Clearing House (ACH) to debit from a members checking account.

Do you have safety deposit boxes?

We currently do not offer safety deposit boxes at this time.

Why does it say it will take 10 days to send my Bill Payment?

The date that is displayed is the estimated delivery date of the check, not the date the payment is sent from your account.

What is the Direct Federal routing number?

Our Routing & Transit Number is: 211381783

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