Community Reinvestment Act

About The Community Reinvestment Act

The federal Community Reinvestment Act (CRA) makes good business sense to us and means good credit news for you. The CRA requires federal regulators to evaluate and rate our performance in meeting the credit needs of our communities. After each evaluation, the rating we receive will be made public. Only when we meet acceptable performance standards are we able to have certain applications, such as expansions or new branch openings approved by the regulators.

What we offer to our communities…

Our goal is to meet the credit needs of all qualified borrowers in a nondiscriminatory, timely manner. To accomplish this, we offer the following types of credit.

  • First Time Buyer Mortgages
  • Freddie Mac Mortgages
  • FMHA, FHA and VA Loans
  • Home Equity Loans
  • Home Improvement Loans
  • Residential Lot Loans
  • Residential Construction Loans
  • Agricultural Real Estate Mortgages
  • Livestock Loans
  • Farm Machinery Loans
  • Operating Loans
  • Commercial Mortgages
  • Commercial Operating Loans
  • Commercial Construction Loans
  • Construction Equipment Loans
  • Recreational Vehicle Loans
  • Mobile Home Loans
  • Auto Loans
  • Truck Loans
  • Personal Loans

To further educate the public and gather data about our communities’ credit needs, we offer the following informational activities:

  • Officer’s Call Program
  • Guest Lectures at Local Schools
  • Communities Advisory Committee

To reach all segments of our communities and inform them of what we have to offer, we use the following types of advertising media:

  • The Times
  • Homefinder Publication
  • Bulletins
  • Radio: WCMY, WSPY, WCSJ
  • Area Wide Phone Book
  • Yellow Pages
  • Communities Churches
  • High School Year Book and Sport Programs
  • Flyers
  • Direct Mail Program
  • Lobby Displays
  • Drive-up Window Envelopes
  • Email
  • and the Internet at

So we can better recognize your credit needs and aid in the development of our communities, we proudly contribute our time and lend our expertise to local organizations.

Should you have other credit needs not included in these lists or suggestions on how we can better serve you, please let us know. We’ll do all we can to assist you in any way.