Personal Lending Services
Borrow with people who know you — and know Jackson County.
For over 70 years, we've been helping our neighbors finance the things that matter most. Every loan decision is made right here in Marianna, by real people you can actually call or come see. No call centers. No runaround. Just competitive rates and honest answers from your community credit union.
What We Offer
Vehicle Loans New, used, and program vehicles — plus motorcycles. Whether you're buying your first car or upgrading to something new, we'll help you get there.
Title-Secured Loans Financing for boats, RVs, ATVs, and other titled assets, new or used.
Personal Loans & Lines of Credit From bill consolidation to an open line of credit, we have options to help you manage life's planned — and unplanned — expenses.
Share-Secured Loans Borrow against your own savings at our lowest personal loan rate. A smart way to access funds and build credit at the same time.
Seasonal Loans Our Christmas and Vacation Loan helps you enjoy the moments that matter without the financial stress — and it's designed to be paid off before the next season begins.
Rate Match Already have a loan offer somewhere else? Bring it in. We'll do our best to match or beat it.
Mortgage Loans Ready to put down roots in Jackson County? We'd love to help you get there.
Let’s Find the Right Fit for You
Not sure where to start? That's exactly what we're here for. Fill out the short form below and one our Lending Success Partner will reach out to walk you through your options — no pressure, no jargon, just honest guidance.
Community News
Frequently Asked Questions
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A Credit Union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the Credit Union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A Credit Union doesn't operate in that manner. Rather, each Credit Union member owns one "share" of the organization. The user of Credit Union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
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The first Credit Union cooperatives started in Germany over a century ago. Today, Credit Unions are found everywhere in the world. The Credit Union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated Credit Union, opened its doors in 1909. Today, one in every three Americans is a Credit Union member.
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The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, Credit Unions have traditionally made loans to people of ordinary means. Credit Unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, Credit Unions return earnings to members in the form of dividends or improved services.
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Yes. All savings accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government.
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A Credit Union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.