Naturally, our top-of-the-line checking account is Crimson! Earn dividends on your balance and enjoy
many benefits exclusive to our Crimson account holders.
We love to treat you right!
.25% discount off the rate on all auto, RV, and signature loans
Earns dividends on your entire balance
Free cashier’s checks and money orders
Here's even more benefits!
Free ID theft protection helps keep you safe against fraud
Free box of checks annually
APY=Annual Percentage Yield. Rates are variable and may change
after the account is opened. Fees may reduce earnings. Crimson Checking is subject to a $7 monthly
maintenance fee if the balance drops below $1,000 during the month or the combined share balances
drop below $25,000.
$5 monthly fee waived when you use four or more of these products and services:
Online banking (min. of 3 times per month)
VISA debit card (min. of 5 transactions per month)
VISA credit card (min. of 3 transactions per month)
Bill pay (min. of 3 bills per month)
Direct deposit (min. of $300 per month)
Overdraft line of credit
Auto, signature or RV loan
A VISA credit card with a balance
A HELOC or second mortgage with a balance
Maintain a minimum checking balance of $300
*$5 monthly fee waived when you use four or more specific products and
services (see list above). **The monthly fee of $5 may be
applicable if you choose to maintain a minimum checking balance of $300 as one of your monthly
fee-waiver criteria and you fail to maintain a balance of $300 or more in the account.
An Eco-Friendly Checking Account
Keep things simple and easy with a paperless e-Checking account.
Check out these great features!
No minimum balance required
No monthly fee
Free instantly-issued VISA debit card
Not enough? How about this:
Add ID theft protection for just $5.95/month.
Save paper! All transactions and notifications are delivered electronically.
The credit score required to qualify for an auto loan is relative to the lender. On average, the borrower needs a score in the low 700s for a new car loan and mid-600s for a used car loan.
A borrower's credit history tells the lender whether or not they are high or low risk. When getting approved for an auto loan, most financial institutions will look at the borrower’s industry-specific auto FICO® Score3, along with their base FICO® Score from the three consumer credit reporting bureaus: Equifax, Experian and TransUnion.
This credit score also determines the borrower’s interest rate on the loan. Typically, to get an interest rate between 0–2% on new car loans, the lender will require a credit score of 700 or higher. Reversely, if a borrower finds themselves with a credit score in the mid-600s or low 500s to low 600s, they may expect a lender to give an interest rate three to five times higher (between 10–24%) than those with good or excellent credit.
You can check your FICO® Score for free on our free mobile app, UFirst.
Refinancing your auto loan is a great and easy way to save money on your car payments and to lower the interest rate on your auto loan.
In order to refinance your auto loan, you’ll need to gather the right information and documents. All the necessary information would be the car mileage, VIN number, current car loan numbers, driver’s license, and income verification. After gathering this information, you can refinance your loan with the same lender or with a different financial institution.
After applying, the bank or credit union will check your credit history and let you know if you qualify for a lower interest rate. After approval, the bank or credit union will work with you to set your new loan term to a lower monthly car payment.