Peace of Mind and Financial Flexibility

First Reserve gives you the overdraft protection you need, and the financial flexibility you deserve. First Reserve is a line of credit attached to your checking account. You can use it to protect your account from accidental overdrafts, up to the credit limit established for your account. With First Reserve, you can stop worrying about overdraft fees or the risk of having your check payments returned due to insufficient funds.

First Reserve is also a personal line of credit. You can choose to activate a First Reserve loan by simply writing a check, up to the amount of your credit limit. You know the loan limit, terms and interest rate in advance, and you can borrow from your line of credit at your convenience. Nothing could be simpler than First Reserve!


On or before each payment date, you agree to make a minimum payment to reduce your First Reserve balance. The minimum payment amount is 4.2% of your loan account balance on the last day of the billing cycle, or $15, whichever is greater. You may also make additional payments at any time or pay your First Reserve balance in full without penalty.

Finance Charges & Fees

We will begin to earn finance charges when we make a loan to you. To calculate the finance charge for a billing cycle, we will apply a daily periodic rate finance charge to the “principal balance” of your loan account each day. Finance charges are computed at a fixed annual percentage rate of 18%. There is a $25 annual fee.

How to Apply

Simply fill out the pdf application. Your application will be reviewed by one of our loan officers and you will be notified of your loan status as quickly as possible.