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What is the difference between my account balance and available balance?

The available balance takes into account any pending transactions. For example, if my account balance is $100 but I have a $25 pending debit card transaction, my available balance is $75.

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Rates effective as of: July 10, 2026

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New fee for loan payments:

Starting on January 1, 2023, there will be an $8.00 transaction fee for loan payments when members pay with a debit card.

If you are making a loan payment using your checking account and routing number (ACH) there will continue to be no transaction fee. Also, there will continue to be no transaction fee if you are using the transfer function in Online Banking to make a payment.

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