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Getting started is as easy as 1-2-3.

A woman wearing sunglasses and holding a towel standing in the doorway of a cream a-frame camper that’s hooked to a truck

Open an account or apply for a loan.

Everybody loves options, right? Choose from a checking, savings or money market account.
Want more options? How about credit cards, consumer loans, lines of credit, even home loans!

Open a checking, savings or money market account.

All it takes is a few simple steps.

Step 1: Decide how to fund your account
To open an account, the minimum amount must be deposited. See Checking Accounts, or Savings Accounts & CDs for minimum opening amounts.

Step 2: Gather ID
You will need valid, government-issued identification such as a driver's license, state ID, military ID or passport. To open a joint account, both account holders must present ID.

Step 3: Open your account online or in person
If you know the type of account you want to open, you may do it online. Or stop by a nearby branch, and we'll help you find the best fit for your needs.


Apply for a credit card, consumer loan, line of credit or home loan.

Here are some helpful guidelines when researching the product that's right for you.
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Apply for a credit card.

When is a credit card a good choice?
Credit cards give you immediate purchasing power, and can be a good way to establish your credit record. Plus, they often come with rewards like our Visa Platinum® Preferred card.

Credit cards are the most expensive form of financing, with variable interest rates often in the double digits. To avoid accruing interest, you must pay off your balance in full each month. A credit card is best for short-term financing, emergencies or small purchases you can repay within a statement period.

Two types of credit cards.
Take your pick.

We offer the Visa Platinum card or the Visa Platinum Preferred card with rewards. Each offers something a little different—but both are backed with superior Visa service and protection. To get started, simply apply online or stop by a nearby branch.

See loan calculators
Credit card application (PDF) 
Learn more about our credit cards

Apply for a consumer loan.

When is a consumer loan a good choice?
Consumer loans can be used for a variety of purposes, such as consolidating debt, paying for a vacation or purchasing a car.

Unlike a credit card, which sets a credit limit but has no payoff date per se, consumer loans have set monthly payments and an agreed upon term of repayment (usually 2–5 years). Consumer loans offer fixed rates that are usually lower than credit cards, making them an ideal option for purchases that may take a few years to repay.

Find the loan that's right for you.
We offer a variety of products for all types of borrowing needs: auto, boat and RV loans, home equity loans, deposit-secured loans and more. Our experts will help you find the perfect fit.

See loan calculators
Consumer loan application (PDF) 
Learn more about our consumer loans
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Apply for a line of credit.

When is a line of credit a good choice?
Lines of credit can be used for a variety of purposes such as home improvement projects, loan consolidation and more. Only pay interest on the money you actually use.

Home Equity Advantage Line of Credit.
A convenient and flexible way to access the equity of your home, this line of credit gives you the freedom to fix a portion (or all) of your outstanding balance at a competitive fixed interest rate. Simply access funds online, by phone, in person at a branch or by writing a check. Visit your local branch to apply.

Classic Reserve Line of Credit.
This line of credit gives you the ability to have funds available when you need them. With it, you can advance funds to your checking account when needed and set up automatic advances as a method of overdraft protection.

Classic Reserve Line Credit Application (PDF)



Finance a home.

When is a home loan a good choice?
Home loans are secured loans tied to real estate property, such as a house or land. Based on the value of a new home purchase, home loans often offer the lowest interest rates, the longest repayment terms, and are the best way to obtain large amounts of money.

Explore your options.
We offer a variety of home loan products for purchases, refinances, custom construction and lot loans. We also offer FHA, VA, USDA and low down payment programs. We'll help you find the solution that suits your needs.

See loan calculators
Learn more about our home loans