Wide interior shot of a professional credit union office, a long service counter visible to the right, even daylight through large windows on the left, clean functional furniture, no people, institutional and orderly
Wide interior shot of a professional credit union office, a long service counter visible to the right, even daylight through large windows on the left, clean functional furniture, no people, institutional and orderly
— Our underwriting model

Built for military income. Not adapted to it.

BAH, BAS, and separation pay are the inputs our underwriting model was designed around. We did not add exceptions for military members—we wrote the rules for them.

Close overhead shot of hands reviewing a loan document on a plain desk, a pen resting beside the paper, even studio daylight, no faces visible, clean and transactional
Close overhead shot of hands reviewing a loan document on a plain desk, a pen resting beside the paper, even studio daylight, no faces visible, clean and transactional
/ How we price

Military allowances are income, not footnotes.

Conventional banks often exclude or discount BAH and BAS when calculating qualifying income. We count them in full—because they are full income.

Deployment gaps don't flag as employment risk here. Separation pay is treated as the planned transition income it is. Our model was written by people who know what a Leave and Earnings Statement actually means.

See our products

The institution behind the rates.

Not a bank with a military landing page. A federally chartered credit union built from the ground up for members whose income the civilian banking system gets wrong.

NCUA Insured

Member-Owned

Federally Chartered

Deposits are federally insured up to $250,000. Your money is protected by the same federal guarantee that covers every federally chartered credit union.

Governance is controlled by members, not shareholders. Surplus returns as better rates and lower fees—not as executive distributions.

Operating under a federal charter means our products, rates, and disclosures are regulated—and auditable. Transparent rate sheets, not promotional windows.