A line of credit lets you decide when and how much cash you need, with immediate access. This tax-deductible home equity loan offers low monthly payments with a variable rate.

The Advantages:

• 0% interest for the first 3 months
  
• Interest is tax deductible (depends on your filing status)
  
• No closing costs or loan fees
  
• Payroll deduction makes it so easy
  
• An open-ended loan – you withdraw money as you need it
  
• Pay interest only on the amount you withdraw
  
• Quick access to funds through a special “loan checkbook”
  

Your safety net

Your line of credit offers you peace of mind knowing that you have funds available for unexpected expenses and planned projects.

• Making home improvements
  
• Paying for college tuition
  
• Buying a new car
  
• Consolidating bills
  
• Taking care of family emergencies
  

Whatever your need, your credit union can tailor a loan that works for you.

Next day approvals

Your highly trained loan officers can usually give you an answer on your loan request the next business day.

For Easy Car Shopping… Get Pre-Approved on your Line of Credit

Use your line of credit to buy that next car and deduct the interest on your taxes*.

When you have an amount in mind, get pre-approved for your loan and then go shopping.

When you find just the right car, your money will be waiting for you.

How to Get Your Loan

Our easy, one-page loan application is available to you in several ways.

Online Application: You can complete your application online and send it directly to a loan officer over a secure line.

APPLY NOW

Fax or Mail: You can pick up a loan application at any branch or call us and we will mail one to you. You may use interoffice mail or fax: 419-471-1837.

Click here for rates.

FIVE EASY WAYS TO MAKE YOUR LOAN PAYMENT

ALL ARE FREE

• Payroll Deduction – if you work for PHS

• From you direct deposit  - if you work for someone other than PHS

• Automatic transfers from your account

• Online banking

• Collect Pay allows you to make a payment from another bank

      Click here for the link to set up your Collect Pay.

Click here for rates

*Depends on your filing status.
*All rates and terms are subject to change.